BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I attempted to refinance my mortgage with Chase recently. As I recently started my own business Chase underwriting would not recognize my business income and so they required that I add my father as a cosigner on the mortgage. Chase added a number of requirements to the mortgage only AFTER they received my good faith payment, the most important of which was that my father be added to title for my home. As I live in a XXXX coop that would mean adding him to our " stock and lease '' which is a long and involved process which would require thousands of dollars in legal fees and makes the refinance no longer economically viable. After Chase confirmed this was a absolute requirement we stopped the process - I won't be refinancing at this time. However, Chase is refusing to return my {$500.00} good faith payment. 

My understanding is that part of the issue with returning the good faith payment is that the appraisal was completed before cancelling the process and Chase may be claiming they need to keep the funds to pay for that -- however, this is not explicit, I've mostly received silence from Chase in attempting to recoup the money. At the time the appraisal was carried out, I had been told in writing by Chase that the refinance could proceed without altering the stock and lease so I contend I am owed the full good faith payment in return as I was acting in good faith in allowing the appraisal to proceed. 

Here is a brief timeline, document confirming this are attached : -XX/XX/2020 : good faith payment collected -XX/XX/2020 : first time title change ( stock and lease ) requirement is ever mentioned to me. This is debated back and forth over the following days. 
-XX/XX/2020 : Chase confirms that I can proceed with NO CHANGE to my stock and lease. I allow appraisal to proceed on this basis. 
-XX/XX/2020 : Appraisal completed. 
-XX/XX/2020 : Chase writes to me saying they WILL REQUIRE the change to stock and lease. Shortly thereafter, I tell them I do not wish to proceed and I ask for return of my good faith payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25
Company: The J. G. Wentworth Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
For probably the 4th time in 6 years, my mortgage has been sold to yet another servicing company. While I understand the loan is a financial investment for these companies, when they sell the mortgage, it creates work for me ( setting up new online accounts, setting up online payments, etc .... ). Yet the companies seem to reap the profit and I'm stuck with work. While I understand cfpb can't do anything about this, you can make sure these companies follow the rules when they continue to inconvenience their customers. My current mortgage company ( 3rd one ) is XXXX XXXX. They sent me a notice dated XXXX XXXX ( which I didn't receive until XXXX XXXX ) that my mortgage was sold to XXXX XXXX   XXXX effective XXXX XXXX. They gave me well less than 30 days notice. I have not received a notice from XXXX XXXX yet and its only 10 days before the transfer is to take place. I'm pretty sure they are required to provide notice at a minimum 15 days before. While I get this is a minor issue, they are not following the law and quite frankly, I'm tired of these companies selling my loan, making money and inconveniencing me while they are doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report is showing an account from Capital One that was closed and paid in full in 2017. This is still appearing on my credit report as included in bankruptcy. Nothing was discharged in bankruptcy as it was paid in full. I have talked to Capital One and they agree this account was paid in full and nothing discharged in bankruptcy and they said I need to dispute it with the credit Bureaus to take it off. However, every time I dispute it, they keep telling the credit bureaus that it was included in bankruptcy. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Linebarger Goggan Blair & Sampson LLP
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I received a letter in the mail from the law firm of Linebarger,  Goggan, Blair, & Sampson re : " Notice of Debt ''. The letter was dated XX/XX/2019, and written by XXXX XXXX, allegedly a partner at that firm. The notice states that the firm is a debt collector, and that I have an outstanding debt of {$51.00} for delinquent tolls and " associated fees ''. They did not threaten to file a lawsuit. The end of the letter quotes passages from the Thruway Authority regulations in order to scare the recipient of the letter into paying without further question of the validity. A website, XXXX, is given for payment. I also received a Client Code ( XXXX ), and an Online Payment Number ( XXXX ). 

This letter is a scam. I have driven in New York a few times, and always paid my tolls immediately through the valid site, which is NOT XXXX, but XXXX. I have not driven in the state for over a year. 

The website the letter sends the recipient to is simply the website of the law firm, NOT the New York Thruway system. The letter scams recipients into believing that they are delinquent on a toll. In each legitimate toll bill I have received before, the date, time, and often a picture of the car are included in the message. None of these is included here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i cant open any kind of a account in any bank b/c it states i owe money to banks witch i dont owe nothing i had my id taken in the earliy XXXX in XXXX pa when i then tryed to open a bank account there when it stated i had one with them and owed a fee here to come find out it wasnt me it was a man who used my ssn in florida and the bank tryed to solve this at the time and coundent now the bank is no longer around but yes kids have taken my car from XXXX pa and all my purse and id was taken and anyone now can get your info online for a fee but im telling u its not me i cant get nothing im not a young chicken XXXX XXXX XXXX captured his first ever XXXX XXXX XXXX XXXX victory this past season with his teammate XXXX XXXX. After his championship victory, is it time to put XXXX among the greatest drivers in the modern era of racing?

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 2017-09-22
Company: EQUIFAX, INC.
State: UT
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 disputed the information with all three credit bureaus, Equifax, XXXX XXXX XXXX XXXX, who will not remove an invalid hard inquiry. I submitted a letter to them explaining that Utah XXXX XXXX XXXX out of XXXX, Utah promised me that they would only use a soft inquiry and not a hard inquiry because the credit union changed my account included in chapter XXXX bankruptcy to a current charge off status. The credit bureaus will not budge or work with me. 

XXXX will not remove an invalid inquiry. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This has to do with annual credit report dot come. Anything pulled by the consumer is a soft inquiry because the consumer, being me, is the one that is requesting their credit report. It is being reported as a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: STERLING JEWELERS, INC.
State: PA
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:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had a Citi AAdvantage Platinum Select credit card since XX/XX/XXXX, if I remember correctly. One of the benefits promised by this card is a {$100.00} voucher for XXXX XXXX, awarded annually as long as you met a {$30000.00} spending threshold within the account year and renew the card for another year. It has recently occurred to me that I have not received this benefit since XX/XX/XXXX. I have spoken to a friend who has the same card and he too has not received this benefit in recent years. I have contacted the credit card company via their online chat, their corporate XXXX account, and their call center on XX/XX/XXXX to seek a resolution : they have been unable to determine when my last voucher was issued and have been told to initiate a dispute with the airline and transferred me to the airline. Since my credit card is a deal between me and Citi, I believe it is their responsibility to resolve this situation.

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 2023-02-22
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: Account status incorrect

Complaint:
I have a agreement with WITH XXXX XXXX XXXX {$41.00} monthly and the account will never carry late fees until paid off. Ihave been paying the agreed amount automattically each month without fail. They are reporting me past due. I am NOT past due.

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 2017-11-28
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Last XX/XX/XXXX, I spoke to Nationstar about trying to catch up on late payments. I spoke to XXXX XXXX, our Dedicated Loan Specialist, about this matter. She was supposed to take the payments over the telephone as I was unable to go onto Nationstar 's website and make them from there. I called her in XX/XX/XXXX and made a {$2300.00} mortgage payment. We discussed the next payment being made in XX/XX/XXXX I e-mailed and called her numerous times to let her know I was ready to make another payment. She did n't return any calls or e-mails, much to my dismay. Therefore, we got more behind. 

XXXX XXXX, our new Dedicated Loan Specialist, called and asked when we could make another payment. I asked if XX/XX/XXXX 's payment was received and she stated it was not. She went onto say it was more important to get caught up and research would be done to find out where and why this payment had n't been posted to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Telerecovery Corporation
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXXXXXX XXXX sold my childrens medical information to a creditor. This creditor has called and mailed me several letters threatening to damage my credit and garnish pay. 
I never signed a HIPPA release for any of my childrens information to be released from the XXXX office. 
I have also tried contacting the XXXX office to see if the insurance could be re ran.

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 2019-10-25
Company: Aargon Agency, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received health care services from a hospital provider and provided them with my proof of having two insurances, a primary and secondary. The hospital provider made copies of my two insurance cards front and back. When the claim for XXXX XX/XX/XXXX was sent to my primary insurance by the hospital provider, the total amount due was {$2200.00}. My primary insurance paid {$1200.00} on XX/XX/XXXX. This left a balance of {$310.00}. However, this hospital provider has refused to send a claim to my secondary insurance company which is XXXX. On XX/XX/XXXX, I sent this hospital providers billing department an email letting them know that I had spoken to XXXX and was aware that they did not submit a claim to XXXX. There was no direct response. On XX/XX/XXXX, I called this hospital providers billing department and spoke with XXXX regarding my balance and provided my secondary insurance information again. However, this hospital provider refused to bill my secondary insurance and took adverse action against me by having their collection agency, Aargon Agency Inc post that I owed the hospital provider {$300.00} on my consumer credit reports. I believe this unfair business practice by the hospital provider will have long-standing negative effects on my financial status and credit worthiness. I also believe they knew or should have known that XXXX would have discounted or paid the remaining balance off in full since I am a protected class.

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 2019-10-25
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I took a mortgage in XX/XX/XXXX with a bank. In around 2 months they sold my account to Loancare Service Company ( XXXX XXXX XXXX XXXX ), and everything was ok up until my property taxes for XX/XX/XXXX were not paid on time. I called loancare in XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX this year,XX/XX/XXXX and all they told me is they will take care of it, they are waiting for the county tax office to send or give them the bill. I pleaded with my lender, loancare to just please pay my property taxes, they did not. In the meantime, the county office were adding late fees and interest and sent my bill to collection agency. I kept calling loancare and sent the letter from the attorneys office about not paying property taxes possibly foreclose on my house. Finally loancare paid the property taxes in XX/XX/XXXX the whole amount including late fees and penalties, now loancare is saying am responsible for paying the late fees and penalties. Loan care is refusing to take responsibility of the late fees and penalties added to my property taxes. I think and believe that am not responsible for paying late fees because I have an escrow account on my mortgage and have been notifying loan care since XX/XX/XXXX to pay for property taxes. My mortgage went form {$1700.00} to $ XXXX/month.

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 2023-01-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I seen on the internet that Wells Fargo are being sued due to wrongful foreclosures. I am one of the people who had a mortgage with Wells Fargo that was wrongfully in foreclosure and that Wells Fargo were unable to modify my mortgage. This happened to me in XXXX  XXXX. They would not even try and work things out with me. I even went to onXXXX of the Wells Fargo banks in XXXX XXXX  to pay on my mortgage and they would not except my payment.

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 2019-10-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I previously I had an issue with 2 XXXX XXXX cards i was fighting for years showing late payments. I finally got it resolved through the CFPB. XXXX  XXXX sent a letter to contact all 3 credit bureaus saying that I paid on time and should have no late payments on either account. They all updated INCLUDING Equifax ... But I had a current open " dispute '' for the accountants going with equifax. So the information was updated to show on time payments as requested by XXXX  XXXX for both accounts, then EQUIFAX CLOSE THIER DISPUTE AND REUPDATED IT TO SHOW BOTH ACCOUNTS LATE AGAIN! I called and no one seems to understand or listen to me. Neither XXXX XXXX account should show any late payments as requested by XXXX XXXX via written proof through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I HAVE SENT THIS COMPANY A NOTICE OF EXEMPT INCOME FOR TWO CHARGE OFF DEBTS PDF ENCLOSED THEY HAD BROUGHT AND PAID FOR. I AM REQUESTING AN ANSWER TO MY NOTICES THEY HAVE NOT YET FORMED ME OF WHAT THERE INTENTIONS ON DOING WITH THESE TWO DEBTS ARE THEY CLOSING THE ACCOUNTS AND NO FURTHER COLLECTIONS ARE THEY GOING TO SELL THE ACCOUNTS BECAUSE THEY CAN NOT HAVE A COLLECTION ON MY FUNDS ARE EXEMPT THEY HAVE TO WRITE ME A LETTER STATING THEY CLOSED THE ACCOUNTS I NEVER RECEIVED A DUNNING LETTER FOR THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit  Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2021-08-17
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX  XXXX  has an employee by the name of XXXX XXXX he is sending me emails for debt at XXXX XXXX  at night.

Company response to consumer: Closed with explanation