BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
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:
On XX/XX/2022, I submitted a CFPB complaint ( XXXX ) for XXXX XXXX XXXX XXXX XXXX XXXX This collection agency is reporting collection accounts that I do NOT owe. On XX/XX/2022, the company responded with the following : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Thank you for taking the time to communicate this matter to us. We pride ourselves in maintaining the highest quality standards for each of our clients as well as consumers. We take these complaints very seriously. It is our policy that all complaints undergo a thorough investigation ; and the results of this investigation are as follows : Account number : XXXX & XXXX XXXX has submitted a deletion request to the credit bureau on the above-mentioned accounts due to incorrect address at placement in collections. Account number XXXX XXXX no longer services this account. You will need to contact the original creditor to dispute the validity of the above-mentioned account. No other contact has been made on this account. Attached are the itemized bills, consents, deletion letter, cancellation letter and balance letter for your records. If you have any further questions, please do not hesitate to call XXXX to speak to a representative. Sincerely, XXXX XXXX This communication is with a debt collector. '' I have contacted Equifax several times via mail to dispute the inaccurate collection accounts reporting on my credit reports. XXXX out of the XXXX of the collection accounts were removed. However, there are XXXX collection accounts that need to be removed immediately. I had XXXX XXXX XXXX XXXX at the time of my medical visit and should have never been billed. These errors are extremely injurious to my financial character and have caused me to be denied for funding on a mortgage because of open collection accounts. These accounts should be removed urgently or I will be forced to file suit for negligence and damage to my creditworthiness, amongst other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to resolve our past payments that were missed with our lender PHH mortgage. We tried to set up a payment plan over the phone with the lender PHH, had a verbal agreement of {$5000.00} dollars a month in XXXX, never received any formal information in the mail as promised and had our {$5000.00} check refused ( see attachment ). In XXXX, we sent {$10000.00} to the lender, but they said it was not received. In XXXX our mortgage statement was {$22000.00}. We sent a check over the amount for {$23000.00} that was refused due to insufficient amount to cure default. The funds we provided before the XXXX of the month, but yet not only refused and still late fees were applied ( see attached ). Upon calling our lender, multiple times, being told that we will hear from the foreclosure lawyer, not given a number to contact, calling again to get a number, given a number, emailed the assigned lawyer but still no contact or ability to clear this up. We currently have a monthly statement for XXXX for {$26000.00}. We have the funds to pay this amount and am currently working with someone at XXXX to help clarify with the lender of what is actually needed. We will be contacting the lender again tomorrow together XX/XX/2019 to get a clear answer on what is actually due..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX XXXX XXXX XXXX which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

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 2021-11-12
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: CITIBANK, N.A.
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a new vehicle in XXXX ( Vin # XXXX3 ) in XXXX of 2000, the vehicle was originally financed through XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX. The vehicle was paid off, however XXXX XXXX was acquired by CitiFinancial and has since gone out of business. I have moved from XXXX to XXXX and I am in need of a Lien Release in order to license my vehicle in my new state. I have tried to contact Citi to no avail, I was referred to website ( XXXX ) to acquire the documentation via XXXX XXXX, XXXX has confirmed that they have no record, and stated if the loan was paid for prior to their acquiring the auto loan portfolio from Citi they would not have any record of the lien release and referred me back to Citi. I tried several numbers and could not get human on the line, by searching XXXX I found that my situation is no isolated and many former XXXX XXXX customers have had similar experiences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo 's short term payment relief is incredibly misleading. If you read the short term payment relief, it is assumed you won't have to pay a lump sum after 90 days, and that these payments will be put on the back end of the loan. However on the phone, the operator springs on you that the entirety of the mortgage is due after 90 days. This isn't explained ANYWHERE in Wells Fargos documentary. They simple could have said this, but they didn't. 

How in the world can people affected by Covid 19 miraculously come up with a lump sum of money after 90 days if they can't pay during the 90 days? What help has this honestly done, but mislead their clients?

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 2016-08-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home mortgage loan at JP Morgan Chase. I am the sole borrower on the loan. My son filed bankruptcy and listed my home as his primary resident. He does live at the home. Chase filed an objection to the Chapter XXXX Plan and subsequently withdrew the objection. On XX/XX/XXXX the court ordered that the claim of JP Morgan Chase was disallowed in its entirety. 
JP Morgan Chase stopped my automatic payment plan on my loan which resulted in a higher interest rate as I could not take advantage of the automatic payment reduction in interest program they offer. I have paid more interest on my loan since XX/XX/XXXX. I have called JP Morgan Chase on numerous occasions and they indicate they can not change how my loan is listed as they are protecting my son from eviction. 
This process by Chase makes absolutely no sense to me. l am being penalized for something totally out of my control. My son is on the title to the house but is not on any loan document as a borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted Chase Mortgage company to report I would have a difficult time paying my mortgage for that month due to family medical issues. There web site says contact us if you are going to have problems paying your payments so that they can help. When I called I was told there is no program for a person missing one payment and that it would hurt my credit but would not cause me to lose my house if I worked on paying it back. Due to the ongoing medical issue I was unable to make the XX/XX/XXXX payment and I called again, they said they could help once I fill out a packet they were going to send me and that I could lose my home if it 's not paid in 5 months. I got the packet and it was so overwhelming I thought I was buying a house all over again, not user friendly and for a man who 's wife has been in and out of the hospital during the course of this process it was next to impossible for me to get this done when I count on my wife to do this stuff for me when I 'm at work. So I have filled to have a chunk of my retirement released from a XXXX plan, I have since been trying to pay my XX/XX/XXXX mortgage payment and the first time on XX/XX/XXXX they provide a confirmation number and said it would be taken out. After about 5 days and the money not coming out I call to find out what happened and they told me it was returned for NSF but there is no indication of that on my account and the money was in the account, another payment was scheduled with conformation number XXXX, this payment did n't come out I called back and set up another after complaining that I feel my bank is setting me up to lose my home they assured me that 's not the case and that the money would come out XX/XX/XXXX confirmation number XXXX this money still has not come out of our account. I get a letter on XX/XX/XXXX stating that if I do n't pay my outstanding balance by XXXX that they will start the foreclosure process. I 'm doing everything I can to make this right and have tried from the day I found out I would n't be able to pay my mortgage payment, I am a professional who is employed with the same employer for 2 years and make XXXX a year I just need some help for the family issue we had. I owe the money and any penalties that go with that but I need to be able to work something out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: TX
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX XXXXwith no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My issue with this Debt Buyer is that I keep having different continuing issues with this Debt Buyer. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account they they have had for years and have been reporting for years as new and just assigned in XXXX to at least XXXX bureau. Previous to my dispute and complaint they were reporting as placed for collection XXXX. They were also reporting as open, which is inaccurate. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XXXX and open and reporting it as if it is a new account. This is the same collection agency just reporting it differently. They seem to keep switching up, playing games with my credit report, which is causing and has to potential to cause in the future excess damage to me from their inaccurate and spiteful reporting. I 'm assuming they are hoping that I wo n't notice it, if they report it one way for a month and then change it up and report it as new the next month. By them doing this has caused my score to drop when it should n't have had any new effect as again, this debt is a very old debt they they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XXXX and NOT XXXX like they are now reporting, at least to XXXX. I would like them to stop playing games with my report and stop with the inaccurate and deliberate wrong reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I paid XXXX on my Chase Freedom Card by accident about 6 months ago. I do my banking online and meant to pay my XXXX XXXX card. I did not use the other card at this time. 
When I discovered my error, I stopped in to the XXXX, MI Branch of Chase Bank and talked to an a man in the office. He looked up my account and said yes I see you have this credit on your Chase Freedom Account. 
I asked him to correct it and put the money in my checking account so I could pay XXXX XXXX. 
When I was in XXXX XXXX, MI, I went in to the Chase branch of the bank. This man at a desk said there was not a similar amount paid from my checking account to anybody. Therefore he said I did not pay it. It took me several calls and internet messages to get this credit removed from my Chase Freedom Card. 
Yes I want to file a complaint. I do n't know how this debit did not show in my checking account but I know I made this payment and know I meant to pay XXXX XXXX on which I had a balance because I was using this XXXX instead of my Chase Freedom. 
Now they have deducted this XXXX XXXX on my XXXX XXXX but say this was a bank error. In my XXXX years of banking, I have never had a credit posted to any credit account in my life. 
File a complaint in regards to credit card issues with chase, by going online to consumer finance.gov, phone by calling our contact center at XXXX or file complaint form which you can request by calling the contact center, or lastly by fax or mailed in letter if you choose to file by mail please have you letter include : - Name- Mailing Address- Phone Number- Company Name- Company Mailing Address- Account Number- Desired Resolution- Details of any communication you have had with the company about the issueAnd mail toConsumer Financial Protection BureauXXXX XXXX XXXX XXXX, Iowa XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 302 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe that US Bank is charging excessive interest, in excess of what was agreed to, 3.95 %. I previously submitted a case XXXX. The Bank did respond but I am not in agreement. I do not believe that the CFPB reviewed my complaint nor the Bank 's response. The Bank response was signed by a person who did not give their full name nor their contact information. I had requested from the Attorney General 's office of the Commonwealth of Massachusetts a full accounting for all payments made against my mortgage from the beginning in XXXX. They provided to the AG only payments made in XXXX and XXXX. Using this information I prepared an XXXX spreadsheet accounting for payments of principal, interest and escrow. I calculated interest by taking the principal balance at the beginning of the month, multiplying it by XXXX and dividing by XXXX. I determined that the bank overcharged me by {$2400.00} in the year and XXXX quarter from XX/XX/XXXX and XX/XX/XXXX. I don't understand the XX/XX/XXXX transaction of {$1400.00} or the transaction of {$.00} on XX/XX/XXXX. I have attached the information from XXXX Bank showing my payment history for the period. Something is wrong. I insist that the Bank is cheating us and I want the CFPB to resolve this matter to my satisfaction.

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 2019-02-17
Company: JPMORGAN CHASE & CO.
State: CA
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 paid {$100.00} on XX/XX/2017 which was to pay the XXXX and XXXX payments. After seeing that the XXXX payment wasn't credited properly, I called Chase. They explained that I made the payment one day too early ( the day before the statement comes out ) so the entire payment was credited to XXXX only. They corrected the status and even reversed the late fee but never updated the credit bureaus. They are still reporting me late for XX/XX/2017. The minimum payments for XXXX and XXXX were {$25.00} and {$53.00} so {$100.00} was more than enough to cover both payments. I did this because I knew I would be busy and out of town and I didn't want to forget about making the XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: AES/PHEAA
State: MO
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:
I believe Fed Loan Servicing is defrauding student loan borrowers. have applied for Public Student Loan Forgiveness multiple times. I meet the criteria. I have followed every step. I continue making my payments. They made a clerical error. They denied forgiveness based on their clerical error. I have been employed by a verified employer since XXXX and they entered XXXX which subsequently omitted many years of qualified payments. 

I found there error. Called. They called me to resubmit. I did. They did not correct the error. I called again, they said they would begin a formal review to correct the error and I would hear from them in 7-10 business days. 

Instead, 15 days later they are selling my loan off and not qualifying me for forgiveness. 

I have been on hold for 2.5 hours. Today I have been on hold for three hours and have not hung up my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My primary bank is Chase Bank. On XXXX XXXX 2016 I made a " bill pay '' payment to a credit card that was issued by XXXX Bank. The XXXX Bank account had been closed for some time, as the payment was accidentally made to an older account still in my online bill pay records but not purged by me yet. Under normal circumstances the payment would " bounce '' and after a few days or a week, would be credited back to my account since the destination account was invalid. 

This has not happened. I have not received the funds back into my account. After many phone calls to both XXXX Bank and Chase Bank I am unable to get either bank to investigate this issue beyond giving me canned responses that it is n't their problem. XXXX Bank claims that the payment would have been automatically rejected. Chase bank provides me proof that the payment was made and not returned. I have implored them to actually INVESTIGATE the situation because obviously an error has occurred in the system. Neither bank will do so, placing the blame on the other bank. 

I just want my money returned to me.

Company response to consumer: Closed with explanation