BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-08
Company: Experian Information Solutions Inc.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
The loan number XXXX for {$190.00} says we owe {$19000.00} and behind. According to XXXX XXXX Loans we owe for XXXX XXXX, XXXX subsequent monthly installments. We have an order form signed XXXX XXXX 2013 that Mortgage Lien of XXXX will be Wholly unsecured pursuant to XXXX XXXX XXXX, and upon proof of service as required by the Court, and a hearing on the Motion having been held on XXXX XXXX, 2013 to void and release concerning Mortgage lien to the Chapter XXXX. So please remove said amount and say it was taken care of through Chapter 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 2016-11-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been with Chase Bank for little over a year and even though I have checks that have cleared, they hold the checks to verify for another XXXX to two days and during that time I am either purchasing items for my company. By the time the check clears I have sometimes anywhere from XXXX to XXXX NSF fees. Each fee is {$34.00} and when I contact Customer Service they check with a computer to see if they can deduct the fees off my account. Every time I never get ANY FEES deducted and they say they can only do it ONCE A YEAR. Most of my purchases are small, the most recent one was gas for {$14.00}, tack on {$34.00} and I have paid {$48.00} for {$14.00} worth of gas even though I have money showing in my account. This particular set of XXXX NSF Fees, XXXX is for {$14.00}, the XXXX XXXX is {$33.00} and the third one was for {$240.00}. Even though my account shows over {$4900.00} in my account I was still assessed the fees since the bank stated they had NOT verified my check until XXXX XXXX, 2016. By the way, my check was verified on XXXX XXXX, 2016. So how could I receive NSF Fees when my check was verified on the same day? I had another instance where I put CASH in the bank earlier in the month at XXXX and the Customer Service guy said the cut off time was XXXX for the money to reflect on my account, so over XXXX minutes my CASH was not in my account and I received XXXX NSF XXXX and the Customer Service guy told me the Chase Computer would NOT be able to deduct my fees. I have had {$200.00} in fees in the last month over ridicoulous reasoning from a computer system, therefore I am asking for my {$200.00} at least be put back in my account immediately!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This account has pass the statue of reporting as of XXXX2009. 
When a delinquent account is reported it is reported for seven years from the date of the original date of the first missed payment, which it clearly shows the first date of a missed payment is XXXX2009. 
I will fax the evidence.

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 2017-02-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo Investigations : XXXX Claim # : XXXX Issue # 1 ) On Tuesday, XX/XX/2017 @ XXXX EST, a 3rd party was allowed to take money from my checking account without showing ID, no debit card, no PIN #, no security questions, and no signature. Bank teller # 2 appears to have filled out the withdrawal slip with my account number, name and amount and the 3rd party seems to have written an incomplete sentence instead of providing a signature for the withdrawal. The banks ' fraud dept. did immediately put the money back in my account upon me bringing this to their attention. The branch manager said that this crime was committed by someone within my personal circle. Issue # 2 ) Upon me filing this complaint with the bank, a CSR requested my PIN #. I informed him that that 's a security breach, he should NOT have asked me for my PIN #. He said that he needed for me to input it into the phone because he was trying to help me. I went to enter it and had to instruct him NOT to look, turn his head as I was entering it ... suspect # 3. He also sent me on a wild-goose chase at a different branck. When I ultimately landed back at his branch, he stated that it was all a mis-communication. I think he 's part of a fraud ring at that branch. Issue # 3 ) The branch manager told me that it was someone close to me in my inner-circle. When I asked her how she knew, she went silent ... suspect # 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
My savings account was opened by removing funds out of my checking account by the branch manager in XXXX XXXX which is XXXX XXXX we then began a relationahip and he was being my personal banker then several days before my closing I had trouble removing funds from my savings account in XXXX XXXX XXXX they claimed I would need a photo I.D and basically nothing else could be done to get into my savings account by another branch manager which is XXXX XXXX so I had to have someone break into my house in Il to get a pass port so I could remove my funds from my savings account my wife made a money transfer from her savings account for tens of thousands of dollars without a photo I.D from her bank without any questions then granted her bank is not as big as Chase but I have been a loyal customer for over thirty years and have been treated miserably by both bank managers who can not see right from wrong and only the rules that have been set on their regulation paper only an agenda that has been set by Chases bank that has treated me like nothing more than a common number. Therefore, I have decided to go to a smaller bank after all this is worked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The loan has an escrow payment attached due to a property tax non payment that is now 18 months ago. The taxes have been serviced the payments made insurance maintained. To be specific Bayview Loan Servicing has made two tax payments totaling {$4400.00} and I have made one over the period of the supposed escrow. All other payments have been made by myself. The mortgage company stated over the telephone several times the " escrow '' payments would be complete and the loan would return to the original loan payment in XXXX of XXXX. The overpayments have amounted to over {$10000.00}. The amount was to be returned to myself at the end of the escrow period. The escrow period was to be from XXXX XXXX ending in XXXX of XXXX. The XXXX payment includes the escrow payment again with a confusing " reset '' of the escrow amount claimed. When the company has been concatenated by phone the explanation has never been clear and the unknown escrow amount and timeframe now open ended. 
We have also had a problem with holding of payments for 10 days after mailing resulting in late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Sortis Financial, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This letter is to file a complaint with the Consumer Financial Protection Bureau on a strong violation of the Fair Debt Collection Practices Act. The posted collection letter I received pertains to a foreclosure that happened nearly ten ( 10 ) years ago. The foreclosure action based upon Florida statutes in essence wiped out the second position. The original creditor, XXXX XXXX XXXX, XXXX may have had a position to file a summary judgment action against me personally, but the chances of that motion being successful were highly improbable. Therefore, this entity known as XXXX XXXX XXXX, XXXX had only one process to obtain financial consideration, that method being an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria is as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, assuming that the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
ClearSpring Loan Services does not own the debt originally procured with XXXX XXXX XXXX, XXXX. This is a fact that can not be denied. This agency never took ownership of any debt, and is operating as a debt collector for a third party, thus the Fair Debt Collection Practices Act comes into plat. Secondly, the debt information was received through a debt pool arrangement, and the fact that ClearSpring has in its possession my personal information such as my social security number is truly an identity theft matter that should be looked into more deeply by the Federal Trade Commission/Consumer Financial Protection Bureau, as well as the Office of Attorney General, state of Florida. 
I demand an immediate purge of my personal information, a statement to that effect sent directly to me and the Consumer Financial Protection Bureau, and a letter of apology that I will hear from this collection agency no further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 
On XXXX XXXX, 2015 XXXX reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Experian to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Experian with the opportunity to remove the item before it has harmed me any further. I contacted your offices in XXXX, TX and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. 

Thank you and Happy Holidays. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian will not remove incorrect tax lien information after submitting affidavits to them files with the IRS and state franchise tax board nor will the investigate. They have told me that the information has been " verified by the county clerks office '' however that is not true. It is well know the Experian uses a third party paid service. Either way I have submitted several affidavits to let Experian know. I have attached prof of delivery. I am awaiting the one from the IRS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Normally I make my rent payment monthly thru on line bill pay. 
In this way Chase takes the the rent amount {$1200.00} out of my account, secondly Chase sends the check to the payee by regular mail. I as a client only see the amount of the monies taken out of my account. The rest of the service is performed by Chase. On XX/XX/2016 the payee, called me to advise me that they had not received the rent check, but the money had been taken out of my account on XX/XX/2016. 
In checking the details of the payment, on the check remitted by Chase where the check picture is shown paid and signed I realize that the name of the payee on the check has been altered. 
Customer service from Chase recommends to file a complaint with the police department. 
Customer service from Chase tells me that the check was cashed at XXXX XXXX and that they are working on a rapid solution to the problem, but they contradict themselves in telling me that they do n't know which bank cashed the check. 
The police department recommends that I find out the bank where the check was cashed. 
As a Chase client I feel left out in the cold and waiting for a long process that is not clear and could last up to 120 days with a possible answer of not crediting me back the {$1200.00}. 
This type of service online bill pay is not safe for the client and Chase does not assume the responsibility of the lost funds until the monies are transferred by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
NO RESPONSE FROM CREDIT BUREAU PAST 30 DAY TIME LIMIT it is now 3 months. 

I sent Experian a letter that was received by them on XXXX ( delivery Confirmation attached ) in which I was disputing several items that did not belong to me due to them having someone else 's social security # listed as mine. The issue that is raised here is that I disputed a ( JUDGEMENT Item # XXXX in attached dispute letter ) since it does not belong to me. I never received a response from Experian pertaining to this Judgement, just everything else ( See EXPERIAN dispute RESULTS ) By law they had 30 days to complete the investigation, nothing was done or a response sent pertaining to the item in question. It is now considered NON COMPLIANCE XXXX XXXX Code XXXX of the FCRA. 

By law Experian should have taken one of these procedures but due to Willful NON COMPLIANCE they did not use either procedure ; -Should have re-investigated this Item within 30 days since new proof was submitted showing someone else 's Social security # as being listed on my report. No later than 5 days after the re-investigation was complete they should have contacted me. No response on judgement only other items. FCRA 611 ( 15 U.S.C. 1681I ) Subsection ( a ) ( 1 ) - Experian determines that consumer dispute is Frivolous or irrelevant they must contact consumer within 5 days from time of determination of dispute being frivolous or irrelevant. No response was received for this either. EXAMPLE OF THIS OCCURING PRIOR INVESTIGATION WITHOUT NEW PROOF WOULD RESULT IN DISPUTE BECOMING FRIVOLOUS OR IRRELEVANT & lt ; NOT IN THIS CASE. 
FCRA 611 ( 15 U.S.C. 1681I ) subsection ( a ) ( 3 )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: LEXISNEXIS
State: MI
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:
This company is reporting a bankruptcy on my credit report stating that the data furnisher being the US Eastern Michigan Bankruptcy court, which is false. I have attached a letter from the US Bankruptcy Court verifying and stating that they do not furnish information over to the credit bureaus or to any credit monitoring service nor do they verify and validate any information concerning bankruptcies. Lexis Nexis is falsely stating this information and disclosing this information to XXXX, XXXX, and XXXX, which they yet to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Below is the email sent to the office of the Attorney XXXX XXXX XXXX of XXXX, XXXX. of XXXX XXXX XXXX Indiana XXXX XXXX : " Good afternoon XXXX XXXX, I received a letter from you in the mail on XXXX/XXXX/2016 with regards to the unmet obligation from XXXX Hospital in the amount of {$86.00}. 

I would like to refer you to the letter from XXXX XXXX XXXX dated XXXX/XXXX/2016 informing XXXX Hospital that the above named company is 'the claims administrator for the State of Indiana 's Workers Compensation self-insurance program and are handling ... .. the claim ' and that 'as this is a worker 's compensation claim, please mote that XXXX XXXX is not responsible for any payment related to this ... medical treatment. ' According to the information received from XXXX XXXX XXXX, the billing was unable to be processed due to lack of XXXX XXXX form including the dates of services, diagnosis and XXXX codes, Tax ID number and itemized charges. 

I am positive that once the required information is provided by the XXXX Hospital, this issue will be resolved. 

Thank you for your cooperation. '' After this mail was sent and mailed to the office of Attorney XXXX XXXX XXXX of XXXX, XXXX, there was no correspondence from the above company in the form of letter, phone call or email. I had assumed the issue had been taken care of as promised by the company until i checked my credit report and found out that my score has been further downgraded. I have always pay my bills on time. This downgraded credit report has been affecting me gain employment. 

I implore you to please assist me in resolving this issue.

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 2017-02-14
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a Federal subsidized loan that I wanted to pay off within the grace period so I would not receive any interest on it. Nelnet, my loan servicer, had sent me a few emails leading up to my payment due date all with the scheduled start of repayment being XXXX/XXXX/XXXX. I made the payment by the due date but was confused to see interest added on. I contacted them and asked why and they said it was because my grace period ended on XXXX/XXXX/XXXX. I asked them why they had told me that my repayment date was different from the day that my grace period ended and they said they do it as a favor to me. I said I felt like it was misleading to give me a different date. They said that they had told me that my grace period ended on XXXX/XXXX/XXXX through an email. I looked through every email and piece of mail that they had sent me and it never once was stated that my grace period ended on XXXX/XXXX/XXXX. The only dates listed anywhere were XXXX/XXXX/XXXX. I called them back to let them know and they said there was nothing they could do and that it was my fault. I spoke with an adviser at the university I attended and they told me to go onto XXXX to file a complaint. I did not know that this website existed until this point. After logging into this account I saw that the date they had listed for the scheduled start of repayment was XXXX/XXXX/XXXX. Why would Nelnet have a scheduled start of repayment date that would be different? I understand that there is a 6 month grace period but I trusted the date that Nelnet gave me and assumed that was when the school considered me no longer a student.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank located in XXXX, CA XXXX closed my personal account without any notice and refuses to tell me why? I 've had an account there for more than 5 years and also have my mortgage with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Had a title loan with Wilshire/WestLake financial paid down the intereste over 5 years. We were told we could now pay down only the principle 19 %, instead of the 98 % prior. 

After we made one payment in XX/XX/2016, on the principle, they wou not answer their phones and months later said they did not make that deal with us and said we had a ballon payment of {$1900.00} or they would repossess the car.. They did repossess the car, and we had to rent one throughout XX/XX/2016 Costing us over {$1000.00}. The car is still in reposession and has not been sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a judgment on my credit report from XXXX XXXX. It is saying unpaid but I finished paying in full of XX/XX/2015. I was told multiple times by XXXX that it would be updated but it has not.

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