BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-31
Company: JPMORGAN CHASE & CO.
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase paid my insurance in XXXX XXXX and analyzed my escrow on XXXX XXXX. Afterwards, Chase escrow was set up ( not by me ) to pay insurance twice in XXXX and XXXX of XXXX. I have requested an new escrow analysis 3 times since XXXX XXXX, and as of XXXX XXXX, no analysis has taken place. My mortgage payment has therefore more than doubled. 

I sent my regular payment last week, and found on ( yet another ) escrow-related call Thursday that it had been applied not as a mortgage payment, but as a principle payment, and that my regular mortgage payment was listed as still due. While on the phone, the customer service rep said " while I have you on the phone, I 'll switch this from a principle payment to a regular payment. '' Yet when I called on Sunday to make sure that had been done, it had n't. 

Just this month, I have called : XXXX XXXX - XXXX said they would do an escrow analysis XXXX XXXX - XXXX refused to listen ; after several requests to speak to a manager I was switched to XXXX, who said they would do an escrow analysis and send me paperwork to remove my insurance from escrow, as I no longer trust Chase to handle this properly XXXX XXXX - XXXX XXXX said she would request an escrow analysis and switch the payment from principle to regular XXXX XXXX - the robo confirmed that the last analysis was in XXXX, had not been done any of the 3 times this month I requested it, and that the last payment was still marked as principle-only. I have also not received any paperwork to remove my insurance from escrow. 

I also sent a letter on XXXX XXXX regarding this debacle. On XXXX XXXX, XXXX confirmed they received it. I have had no other response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is in reference to loan # XXXX. 
Rocket Mortgage attempted to debit my checking account twice for my XXXX mortgage payment. They claim I requested two payments. Incorrect, I asked for a one-time payment that was due on XX/XX/2022. When I became aware that they were trying to take it out twice I called them 3 days in a row and numerous people told me there was nothing they could do, would " investigate '' the matter, or that I had to wait until it cleared the bank, which it would not because of the large negative balance and all of the fees I have incurred from the bank for charges and over-drafts due to the {$2500.00} ish that was taken out by Rocket Mortgage. They just pawned me off to my bank, which of course can not do anything until the money clears ( or in this case did not clear ) the account. So, while on vacation, I have to deal with this mess and Rocket Mortgage offered nothing to make me whole. I am a customer WHO IS CURRENT ON HIS MORTGAGE ARE YOU KIDDING ME? When I asked to work my way up the ladder and/or the litigation department I was told there was nothing I could do and no one I could contact, the matter was essentially closed. ARE YOU KIDDING ME? 

( 1 ) I need a point of contact ( NOT a " supervisor '' ) someone who actually has some pull for all future issues. 
( 2 ) Money/credit/SOMETHING to make me whole with my bank and my time and aggravation. 
( 3 ) The mailing address/point of contact for litigation matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This account is now closed and was reported 60 days late on XXXX XXXX. It is impossible to report as on time for XXXX XXXX, XXXX XXXX, XXXX of XXXX and then 60 days late for XXXX XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX violated my rights. 
XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information< other than records of conviction of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have sent certified letters to all parties on XXXX XXXX and previously before that when I finally check my credit report I noticed that they was reporting Accuracy information on my credit report that is hurting my credit. I sent this letter stating. 

I have never signed a hippa relive form authorizing them to place this on my credit report. ledge XXXX XXXX {$4100.00}. XXXX vehicle XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. The three bureaus are reporting inaccurate information the errors on my report are different from each bureau Therefore these are inaccurate and are HIPAA violations.And I want these immediately deleted. HIPAA laws protect my personal medical information from being used without my consent and you are now a where of these HIPAA violations deleted immediately.

And auto loan inaccuracy 15 U.S.C1681b ( a ) 2 law violations And still they not removed Also not to mention XXXX XXXX  amount on my credit report is inaccurate as well

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 2015-07-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I contacted ARS on XXXX/XXXX/2015 to dispute an item they placed on my credit file. I sent them a dispute letter asking them to provide me with information on this debt with my signature agreeing to this debt. XXXX days went by, they sent nothing. According to federal law and the FDCPA they were suppose to remove this item. They did not. I then sent them a letter on XXXX/XXXX/2015 asking them to cease all communication with myself and XXXX, XXXX, and XXXX. They have failed to do that as well which violates The Fair Debt Collection Practices Act. If they contact myself or ANY of the XXXX Credit Bureaus regarding anything concerning me I will immediately contact FL Attorney General XXXX XXXX directly as well as file a complaint with the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Been paying NAVIENT every month for years yet they fail to credit my account and report me in default every month -- -totally destroying my credit reports plus never responding to my queries. No payments forwarded to my school debt they take my money and keep it for themselves -- -RETURN MY PAYMENTS AND MY CREDIT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: IN
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 have sent certified letters to all parties on XXXX XXXX and previously before that when I finally check my credit report I noticed that they was reporting Accuracy information on my credit report that is hurting my credit. I sent this letter stating. 

I have never signed a hippa relive form authorizing them to place this on my credit report. ledge XXXX XXXX {$4100.00}. XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. The three bureaus are reporting inaccurate information the errors on my report are different from each bureau Therefore these are inaccurate and are HIPAA violations.And I want these immediately deleted. HIPAA laws protect my personal medical information from being used without my consent and you are now a where of these HIPAA violations deleted immediately.

And auto loan inaccuracy 15 U.S.C1681b ( a ) 2 law violations And still they not removed Also not to mention XXXX XXXX  amount on my credit report is inaccurate as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  and Account # XXXX XXXX XXXX XXXXXXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
They continue to lower my score over XXXX singular issue which is still in dispute. They have dropped my score from 800+ to XXXX  over false information. The account was closed and settled. XXXX refuses to provide me with a valid way to contact them. The phone numbers provided do not lead to anyone and I have already spent hours trying to fix this. The charges were incorrect to begin with.

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 2022-04-18
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After a routine credit report assessment on XX/XX/XXXX, I noticed an account in collections with the account name THE CBE GROUP. The status noted, Collection account. {$230.00} past due as of XX/XX/XXXX. I was unaware of this account, and the details under the account list XXXX XXXX  ( Retail ) as the Original Creditor. Doing a web search notes that this company is linked with XXXX XXXX, or XXXX. I am not a XXXX  subscriber, and I can only assume that this debt was incurred by my ex-spouse, whom Ive divorced in XXXX. As far as I know, my ex-spouse resides in the state of XXXX, and I have not lived in XXXX  since XXXX, as I now live in the state of XXXX. I filed a dispute with XXXX on XX/XX/XXXX, and the dispute was resolved and removed from my XXXX credit report. The dispute still shows up on my XXXX and XXXX credit reports, so I disputed this account with both credit bureaus on XX/XX/XXXX. As of this writing, the dispute filed with XXXX is still pending investigation. However, as of this writing, XXXX noted that they attempted to dispute this collections account with THE CBE GROUP and that THE CBE GROUP verified that this information was correct, and subsequently my responsibility. This information is false, and this debt is not mine, nor do I have any confirmation of what this account is tied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Genesis FS Card Services, Inc.
State: WI
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:
Milestone reported XXXX balance and as over the limit. There was an issue with their computer showing an incorrect balance due that was fixed later that same day. My balance is XXXX. 

I have filed disputes with all 3 bureaus several weeks ago and Milestone didn't respond to them. I have called milestone numerous times and they don't want to fix the error until next month. 

Attached is proof of my balance being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
received A credit card in the mail., I thought it was an offer so I dis regarded it. Then I received an invoice with a charge on it and like ummmm nope not me. I am trying to get out of debt, not incur more debt. When I called to discuss this XXXX, and follow the correct promts, no matter what time of day I have called, the recording always states that the olffice is closed and to try to call again later. I have also emailed them and have still not received a response the website is XXXX XXXX XXXX  I had to create an account in order to send them an email and this is what I wrote From : You Sent : Tuesday, XX/XX/2022, XXXX AM ( XXXX  ) To : Comenity Bank XXXX XXXX Fraud Message ID : XXXX I did not apply for this account and I have not made any purchases. Please contact me to discuss this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the fair credit act. 
The list of accounts the list below has violated my federally protected consumer rights to privacy and confidentialality under 15 usc 1681. 
XXXX has violated my rights 15 usc 1681section 602 A.

15 usc 1681section 2.

15 usc 1681c. ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 ) All have been violated against me thats fair in my life.

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 2016-03-04
Company: United Shore Financial Services, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband XXXX XXXX and myself XXXX XXXX have been defrauded by United Shore Financial Services , LLC. They refuse to send copies of monies in escrow for insurance payments and taxes and when they do it 's half a year later. They block my login attempts and refuse to answer calls from my numbers unless I use another phone number and when they find out who I am they transfer the call to a voicemail that says it 's full. I have all conversations recorded. Were owed over XXXX dollars just for insurance payments, which my community has a blanket policy that covers inside and out of our property. It 's been year since this money was to be returned and has not. UWM stopped sending monthly statements and will not reply on this issue. We 're also owed for over payment in taxes through monthly escrow built into monthly payments. I made 2 payments on XX/XX/XXXX, 2 payments on XX/XX/XXXX in XX/XX/XXXX. They have charged me over a XXXX dollars in fees with these scams. This ca n't be legal and I have all phone conversations. My loan was also sold when it was never to be sold and this was all clear from the start. I have ( XXXX ) and need monthly statements because of the XXXX I have and UWM were provided this information my husband XXXX XXXX has MPOA, POA and takes care of the mortgage. UWM say 's when I call they 're collecting a debt but what debt. If when I made the 4 payments I was behind why was no correspondences sent? I also would like all future statements sent certified so I can be assured I get them. I 've received nothing saying that I 'm behind in anyway and if I was behind 4 payment why were they not moving towards foreclosure? I was also charged a fee on the last statement I did receive for an inspection, which never happened. I need help with this matter and strongly believe Federal and State laws have been broken and need help desperately. It 's inhumane to be treated this way by anyone let alone an individual with XXXX. I ca n't believe that any of this could be legal in the United States. Make no mistake I have tried to resolve this issue myself before filing with the ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I recently filed for bankruptcy. I was current with my Navient STudent Loans, paid XXXX off and was on auto pay. last month, Navient cut off my auto pay and disconnected me from using the webpage to log in and pay my bill. I noticed it was not paid, so was going to use the website and make sure I was still set up on auto pay. 
I called and a rep told me that she could not help me and I would get a notice in the mail due to my bankruptcy which was final XXXX XXXX. I called back a few days later, worried they were trying to stop my payments and garnish my spouse wages. I was able to make them reset up my payments that were not late and Due XXXX XXXX. Relieved, I was able to stop my anger and get on. 
Yesterday, I was called by a Navient collector and he said that the payment did not go thought because I was not late, Now I was late and had to pay late fees. Then I could go through the process of setting up on auto pay. 
I was cut of from my account, and make late with interest, all the while current on my student loans. They kept telling me that they could not find my account and my spouse was made primary on the loans even though were current. The bankruptcy did not disolve my loans, why was I harrassed, blocked from payments, and made to answer an recording about being in forbearance. I was forced to answer that I was in forberance in order to get back on auto pay. It is humiliating enough to have a college degree and no stable income. To be treated in this manor has caused me undue stress. 
I have other student loan providers, who did not do this to my when I was in bankruptcy. I need help getting back my interest that I had to pay. the collectors on the phone will not stop until I paid the late fees and was put in forberance. I also got a letter that I needed to update my email address, or some benefits would be stopped. I had unsubscribed to emails since I was on auto pay. I did not want monthly notices from them. They had my email address already. Nothing has changed. 
I never got a good job since going to college an never had the money to pay back loans, I work several jobs to make ends meet. Recently started my own business to get work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  reported XXXX balance and as over the limit. There was an issue with their computer showing an incorrect balance due that was fixed later that same day. My balance is XXXX. 

I have filed disputes with all XXXX bureaus several weeks ago and XXXX  didn't respond to them. I have called milestone numerous times and they don't want to fix the error until next month. 

Attached is proof of my balance being 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 non-monetary relief
Consumer complaint received 2022-04-18
Company: ORG GC GP Buyer, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Gc services limited partnership, It is not my intention to inform you of the rights of a federally protected consumer, however, it is my duty to bring notice when youre in violation. The FDCPA makes it clear, for those of us with the capacity to overstand, that communication between a debt collector [ 15 u.s.c. 1692a ( 6 ) ] and a consumer can only happen with prior consent. Before any sort of communication is even allowed to take place, there needs to be permission granted [ 15 u.s.c. 1692c ( a ) ]. One can not hide behind any implications or presumptions when it is clear that permission has to be given directly to the debt collector. 

Cease and desist all forms of communication to the above name, XXXX XXXX XXXX. Reporting to any credit bureaus is an attempt to communicate and/or collect a debt which would also be a violation. For every FDCPA violation, there is a {$1000.00} fee I would be happy to collect, but strongly urge we operate in good faith. 

I take my rights seriously. While this is not a promise I wont pursue remedy for the violations you have already incurred by this communication, I strongly urge you to refrain from any negative reporting to my credit. Any provision of this section that lacks compliance entitles me to actual damages 15 u.s.c. 1692k ( a ) ( 1 ). Defamation of character in my line of work is priceless and would advise against it.

Company response to consumer: Closed with non-monetary relief