BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I re-applied for  a Loan Modification f or the second time in  XXXX   XXXX  and was denied on  XXXX   XXXX ,  XXXX . I appealed that decision and received a letter dated  XXXX   XXXX ,  XXXX  ( see attached ) confirming that denial. Chase continues to assert that no error has been made.     I followed up with a QWR request ( see attached ). A lady from the Executive office called back after 10 days, and I have not heard from her since.     Chase has denied me a loan modification citing that my condo in  XXXX  is not my primary residence and hence that disqualified me from all HAMP programs offered by  XXXX   XXXX . I was also denied because  XXXX   XXXX  does not give forbearance since the condo is a rental condo now. Basically I was denied all and every loan assistance base on high  DTI  but primarily was never considered for loan assistance because my condo is a rental condo. I beg to differ.     I occupied my condo   XXXX - XXXX  . When I did not get any loan assistance, I was compelled to look for a job in another city. The fact that I relocate for a job does not change the status that my home is my principal residence and is still being paid for, maintained by me. Under HAMP guidelines, if I relocated for employment does not change the status of my principal residence. Ever since I relocated for a job and being under prolonged unemployment, I have not been able to purchase another home in another city either. I am a displaced homeowner after the recession o f  XXXX - XXXX .      This is an ongoing issue of continuing negligence on the part of  Chase in processing a HAMP. Chase  refinance my loan at  XXXX  in  XXXX   XXXX . However, I made an additional investment of $  XXXX  with a family loan to gut and renovate the condo. This resulted in the  Condo Valuation  of {$240.00} when Chase refinance the loan in  XXXX   XXXX . The valuation of the property did not go up with market forces from purchase to refinance in just 5 months. Chase abused the inflated valuation of  XXXX , and chose not to do a valuation when I applied for a loan mod in  XXXX   XXXX  because the effect of the recession would have impacted the valuation and if they sent me a valuation then, I would have had an opportunity to point out that the high home equity that now was far above  XXXX  of the mortgage basically included a separate investment to gut and renovate the condo.     Chase deceived me and preferred to use an inflated valuation of  XXXX  instead, and used my Home Equity percentage to deny me a loan modification in  XXXX . I bring this up to demonstrate a continuing pattern of negligence and receipt.     I have been denied access to cheaper credit that was offered via a Federal program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was notified of negative activity in my credit report In XXXX XXXX by my financial institution. Upon investigating I realized XXXX XXXX XXXX had reported late payment on a credit card held with this company. I had not used this credit card since paying off my debt of {$1600.00} in XXXX. I called XXXX Fraud department to inquire why and what I was reported for. I was transferred to customer service and was told that the card had been used to make a purchase of {$4.00} at a XXXX on XXXX/XXXX/XXXX. I explained that I had not used this card and was not aware of this purchase. I was told to submit a written statement regarding this incident. A written report along with the required documents was faxed to XXXX XXXX XXXX. I was told they would investigate and send me a report on their decision. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had updated my credit report with the credit reporting agencies : Equifax , XXXX and XXXX " to read as a current account with a balance of {$0.00}. 
XXXX XXXX XXXX did not clear my name for the late payments reported to the credit reporting agencies and this significantly dropped my credit scores. I have since attempted to get them to do this so my previous " Excellent and Good '' credit report status could be reinstated. I was told with time I can rebuild my credit report. I did not destroy my credit report, I have worked hard to build and sustain my credit report and would like for this company to report that I was not responsible for the late payments since I did not use this credit card. A XXXX balance report did not address the fact that I did not use the credit card and was not responsible for the late reports submitted to the credit agencies. I have not made any payments to XXXX XXXX XXXX, by their reporting a XXXX balance it suggest to the credit reporting bureaus that I was in fact responsible for this transaction and guilty of a late payment which has since been settled to a zero balance. Due to the incompetency of this organization my credit score has been adversely affected. I am kindly soliciting this organization assistance in reinstating my good name which I have worked very hard to maintain. Thanks for your support in this endeavor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXBalance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX was disputed and they do n't own the debt anymore. So, by law they have no more right to even report anything to the credit bureaus. They left a wrongful dispute on my credit report. The account number is as followed : XXXX XXXX XXXX XXXX sold the debt to another company. But they want give me the proper contact information inside XXXX to talk with someone about the debt. They all ways transfer me to a department and the number hangs up after 5 minutes of waiting. I am given XXXX XXXX ( XXXX ) XXXX email XXXXXXXXXXXX full authority to speak on my behalf please make notes on this case number that will be provided by the CFPB.

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 2015-07-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EXPERIANXXXX XXXXACCOUNT SHOWING COLLECTION/ CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion had a computer glitch that caused all of the inquiries on my credit report to be deleted, and my  credit score i ncreased. The very next week, all of the inquiries were reinserted to my credit report without prior written notification in direct violation of Sec  611 of the Fair Reporting Credit Act. I a m requesting that the reinserted inquiries be permanently removed from my credit report.

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 2017-02-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX, Experian, XXXX, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!

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 2016-07-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 'm a victim of identity theft, the account # XXXX XXXX is a fraudulent account and it was reported to my XXXX credit reports, after I contacted them they removed and deleted it all from my files. A week latter Equifax reported it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter dated XXXX XXXX, XXXX from Ocwen Loan Services , LLC ( Unique ID No. XXXX ) asking to provide proof of homeowners insurance on a property I purchased in XX/XX/XXXX. Ocwen owns my mortgage since XX/XX/XXXX or XX/XX/XXXX. The property located in Florida is a townhome in a condominium. We 've always had condo insurance which is responsible for any damage up to " unfinished walls '' meaning that kitchen and bathroom cabinets, wall finishing, flooring, stairs, etc. are not covered. Since XX/XX/XXXX the certificate of insurance issued by the condo association insurance company was enough for the different owners of my mortgage including Ocwen in the last XXXX years. I called the condo insurance company asking to submit to Ocwen the XX/XX/XXXX-XX/XX/XXXX certificate. When I called Ocwen last week to check if they had received the certificate, Ocwen confirmed that they had but that they were asking for additional insurance to cover any additional cost finishing the walls, etc. I asked them to explain why Ocwen had decided to start requesting for additional insurance when for many years the certificate of insurance from the condo association was enough. I was left waiting for a supervisor for more than XXXX minutes until the representative got back to the phone to tell me that someone will call me later. This new requirement is an additional financial burden placed upon me despite the fact that I have never being late with my mortgage payment even when my property was under water. 
My questions to you are the following : 1 ) Can Ocwen decide to up the insurance requirement from what has been sufficient for many years without a new law backing their decision? 
2 ) Can Ocwen purchase this additional insurance without given me enough time to inquiry about the validity of their request? 
I thank you in advance your kind attention to this complaint and prompt response. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: Experian Information Solutions Inc.
State: GA
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 in multiples disputes on  XXXX  accounts that I have no contract or knowledge of but experian will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems.

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 2017-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am requesting the following hard Inquiries to be removed as I have not authorized any of these companies to pull credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On   X/XX/17     at  XXXX   XXXX  PST, I calle d Capital One  Credit Card fraud dept. to report a fraudulent pending transaction of {$16.00} at FASHION OPTO on my account right after I received a phone alert from Capital One Wallet app. The person who took my call did not immediately reverse the transaction or did anything to stop it. Instead  Capital One  let this fraudulent transaction through to have it posted on my account. Today,    XXXX     , I called the fraud dept. back and was told by the fraud dept. rep that I must wait for  30-90 da ys in order to resolve this transaction.     Why should a victim, like myself, must pay for the transaction first then wait fo r 30-90 da ys whereas  Capital One  fraud dept. could have done something at the moment they got my phone call to prevent the transaction from going through the approval process? How could customers, like myself, trust   Capital One in protecting us from fraudulent activity?
I would like Capital One to quickly resolve this transaction so I can get my money back. I also would like Capital One   management to re-evaluate their process and procedure in investing fraudulent activities to improve and ensure customers ' best interest. Lastly, I want to bring it to other customers attention and awareness so they can be more informed in their decisions should they be interested in using ( or continuing using  ) credit cards issued from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have faxed over loan modification paperwork. Still threatening foreclosure and have not updated my online account even though the modification has been approved. All the payments have been made for the trial period. 

I am attaching the XXXX fax confirmations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX and again on XX/XX/XXXX, I asked Barclays to close my credit card account ( XXXX XXXX ). Note that I had previously paid my account in full and there was no outstanding balance at this time. 

My instructions were submitted to Barclays using their own proprietary email system. Screen shots attached. 

During XX/XX/XXXX, having failed to close my account as I requested, Barclays billed me a {$99.00} annual fee. 

I contacted them again on XX/XX/XXXX and told them that they had ignored my XXXX previous attempts to close my account and again ( yet again ) asked them to close my account. 

Today I received a letter from them dated XX/XX/XXXX stating that my account had been closed, but the {$99.00} fee is still in dispute status and asking me to pay this amount. 

I believe that Barclays deliberately make it as difficult as possible to close an account with them, so that they can continue to charge an annual fee. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: EQUIFAX, INC.
State: GA
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 in multiples disputes on  XXXX  accounts that I have no contract or knowledge of but   XXXX   will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 in multiples disputes on  XXXX  accounts that I have no contract or knowledge of but  XXXX  will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems.

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 2016-09-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted Experian regarding an inaccurate bankruptcy chapter XXXX on my credit file that is reporting inaccurately. I have contacted bankruptcy court. 
Experian has not contacted the court yet experian has verified this injurious tradeline. 
I have disputed the bankruiptcy and have sent XXXX method of verifications article numbers ; 1 ) XXXX ( Date XXXX/XXXX/2016 ) 2 ) XXXX ( Date XXXX/XXXX/2016 ) 3 ) XXXX ( Date XXXX/XXXX/2016 )

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 2017-05-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discover in my credit report IQ Data International had unpaid rental charges for XXXX since XX/XX/XXXX. Information came from XXXX XXXX XXXX whom authorize a family member to extend lease I did n't authorize. Rental property was aware my family member stayed there and was paying rent for 15 months. IQ International never notified me I was in collections although rental property had my forward address. I discovered on credit report XX/XX/XXXX. I have notified rental property and collection company. Currently now implying identity fraud may occurred which is not true. Rental property knew my family member this is not identity fraud. Collection company never mailed or call me about unpaid rental extension amount. Prior to the unauthorized extension rent was paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: EQUIFAX, INC.
State: MS
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:
the better business bureau referred me to CFPB because the problem goes back to  XXXX . Equifax refuse to correct my credit report and score, my credit score was  XXXX  in  XXXX  and it remains about the same to date. I paid off an SUV in  XXXX , paid as agreed never late, Equifax reported it for a while and then dropped the report but keep the score the same,  XXXX . It is my understanding that the report is to stay on your report fo r ten  years, I contacted the credit grantor and they said they would report the credit file to Equifax but to date, my score has not changed.   I want Equifax to report the file for the SUV purchased in  XXXX  thereby extending my credit history to  XXXX  and not  XXXX .   I have contacted several times with the same result, no change in my credit score, I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Hello My name is XXXX I have sent 3 certified letters the first one was for Identify theft, the second one was for Experian to have unauthorized inquires removed from my credit report. someone keeps apply for credit cards and credit and Experian are not doing anything about it, they told me to contact the companies who pulled my credit and I have but they tell me to contact the credit bureaus. My credit is very important to me and I have tried many times calling them and sending dispute letter and they do nothing to protect me. I need must of this inquires remove this is why I have a fraud alert. If I need credit I will contact the companies myself. Please help me with this issue, I do n't know what else to do. thank you very 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 non-monetary relief