BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: Early Warning Services, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Consumer # XXXX Hello, Im contacting because Im a victim of Identity Theft. Ive submitted legal and personal documents to 2 companies for remote job opportunities that were scam. I also received fraudulent checks from those companies to pay for quote on quote ( Work material ) but that wasnt the case as those fraudulent checks were the reason why my two previous checking accounts closed which is now shown on my consumer report. I would like to Submit a request in terms of deleting that previous history of accounts shown as closed on my consumer report, Im well aware of the consequences but being a victim of this situation is hurting my chances of opening up a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2022 : My wife and I were in the process of selling a piece of furniture to someone through XXXX XXXX  and the buyer requested to make a payment early to reserve the item. The buyer suggested using XXXX and, since we've used in the past, we opt 'd in. 

Upon exchanging information with the buyer, my wife received an email from XXXX outlining a validation process requiring us to send money since our XXXX account has not been used for a while. This email raised some red flags and we immediately contacted Chase customer support using the number on the back of our debit card. The Chase customer service representative was familiar with the process we described and advised us to follow the process outlined in the email. Although strange, we trusted what the customer support rep had to say and proceeded to send {$200.00} for verification. 

Almost immediately, we realized this was a scam and called the Chase customer support line again. After going through all of the details over the phone, the customer support rep said there was nothing they could do because the transfer was made through XXXX XXXX confirmed by the escalations manager as well ). They filed a report and " curtesy request '' to recover the funds, but advised that there are no guarantees. The customer support agent apologized on behalf of the other agent who originally told us to follow the process, but confirmed that there was no way to rectify the situation- we are now at a {$200.00} loss and left with little trust in the financial institution we've been banking with for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Nelnet, Inc.
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The private loan handler of Nelnet, First Mark services repeatedly calls at all times of the day and night. There are multiple phone calls all day long. XXXX phone call is all that is needed. They can leave a message and I will retrieve it but repeated phone calls on the same day are not warranted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: NY
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:
I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Experian is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Experian about the theft of my Individuality and that the items were never mine, Experian never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

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 2016-02-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
The Loan from XXXX was NOT transferred to XXXX bank XXXX as stated in your letter. The assignment was done by MERS conveying the interest under the mortgage ( which they did n't have to assign to GMAC/XXXX XXXX XXXX XXXX ) on XXXX XXXX XXXX. Four Years after the Trust has closed and after GMACXXXX had filed Chapter XXXX, XXXX XXXX XXXX. According to XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone number XXXX. They are only a TRUST not an investor they would only hold documents for the investor. The fact that the investor is bankrupt XXXX Bank is not sure on behalf of whom XXXX is collection for and why Ocwen has a lien on the property. None of the Documents mention Ocwen or XXXX Bank in anyway. 
Attached the Assignment to UNKOWN by MERS. 
Therefore the location of the original NOTE is being requested for viewing by borrower and borrowers attorney. No lean by Ocwen can exist for a note, that was never conveyed to XXXX Bank in XXXX. XXXX is NOT a note Holder, Ocwen is NOT a not holder and XXXX Bank America 's is only a trustee which holds records for investors. The question remains who is the investor that owns the mortgage NOTE- Location of the NOTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Transunion is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Transunion about the theft of my Individuality and that the items were never mine, Transunion never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-11-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Here is the letter I sent to the Ombudsman at Select Portfolio Servicing : Dear SPS Ombudsman, I am writing you at this time to make clear my intentions for withholding my mortgage payments. 
I have been trying for over ten years to ascertain the true and legal note holder, who, based on the original XXXX XXXX Mortgage XXXX XXXX, Deed of Trust, that I signed on XX/XX/XXXX, has been assigned or retains the right to legally collect my mortgage payments, that I have been sending to SPS monthly. 

In XXXX of the many QWRs that I have mailed you for over ten years, you repeatedly state this entity as the note holder : XXXX Bank, XXXX, successor trustee to Bank XXXX XXXX, NA, successor in interest to XXXX Bank, XXXX, as trustee, on behalf of the holders of the XXXX  XXXX XXXX Certificates, XXXX XXXX XXXX is the owner of the account, and SPS is the mortgage XXXX of the account. 

My read of that long list is that you are claiming that the XXXX XXXX XXXX XXXX is the owner and holder of my Deed of Trust XXXX 

The problem with that claim is that based on a thorough investigation by a professional chain of title investigation : Based on the most recent XXXX XXXX XXXX XXXX remittance report, your ( my ) loan is not included or reference in this XXXX! 
It simply is not there! 

I signed The Deed of Trust, ( the note ), on XX/XX/XXXX was with XXXX XXXX Mortgage XXXX XXXX XXXX ( XXXX ) According to the California XXXX of XXXX, this business entity ( AMN ) was suspended or forfeited by both the XXXX  of XXXX and XXXX  Tax Board as of XX/XX/XXXX. 
On XX/XX/XXXX, the name XXXX XXXX Mortgage XXXX XXXX XXXX was surrendered whereby they were not licensed in the State of California at that time. The DOT was written on XX/XX/XXXX, XXXX YEARS AFTER THEY CLOSED BUSINESS! 

Based on the above and many less-than-legal assignments, the true and legal owner of my note is murky, possibly unknowable, or no longer exists! 
My fear is that I XXXX be paying the wrong entity or that my loan no longer belongs to anyone. Or worse, the true and legal owner of my mortgage emerges and demands XXXX years of payments that were misdirected. 
The actions I am taking are out of desperation to find the truth about my mortgage. 

If and when SPS or anyone can provide a legally justified mortgage account where you can document the disbursement of my payments and debits to either the XXXX XXXX XXXX or any legal successor I will gladly repay all of the missed payments and resume my monthly payments regularly. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, 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 2022-11-14
Company: Experian Information Solutions Inc.
State: NY
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:
Today I called to get my balance and reset my password. The credit card company did not allow me to reset my password or have a reset option sent to my email. They also reported me as not paying since XXXX. There have been several payments since XXXX, there have also been several attempts to login to no avail. The company is engaging in illegal collection and credit reporting. I have proof of payments made over the last XXXX  months and have not been skipping payments.

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 2015-10-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX I went to Chase branch XXXX to re deposit a check in the amount of {$17000.00}. I did the deposit tru the teller who gave me a receipt and say check was verify and no hold was placed, so money was available for use the next day. Teller name XXXX. On Saturday, XXXX XXXX, 2015, I went to another Chase branch XXXX that I was closed by and i decided to withdraw $ XXXX, the teller was ready to release my withdrawal but it was her limit so she asked her manager for approval and the manager she started reviewing my account and make the teller to call the XXXX. They say they can not verify check and I was not given or neither serve notice of funds to be held. So I belief Chase bank to be penalized for the illegal practice and they should pay a fine to me the consumer for pain and suffering. We are ready to prepare a civil lawsuit if this matter do not resolve ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was recently notified that I was denied for a HAMP loan modification. I was denied by ocwen XXXX per FHA guidelines. Per the Treasury guidelines for HAMP I have the right to have an explanation of what factors used to make the decision and I hereby request the values used in making the calculations along with the date the process was completed within 30 days of the notice of denial. and dates, per that same guideline. In addition I would like a line by line explanation of what gross income was used, what expense figures were used as well as where the value you obtained came from, because you stated you reviewed for all workout assistance and I received a denial way before thirty days. It seems to me you rushed your decision because not once did you reach out to me for copies of rental income and lease. The renters in my home are not seasonal they are very consistent in paying rent and have never missed. I can not you sleep at night, after this denial, my husband was diagnosed with XXXX and he is now XXXX. After working for 18 years at XXXX he was fired. I had to care for him during his year of XXXX. We were denied due to renters are seasonal. I would like to be able to show you that my renters are not seasonal. I would like to fax bank statements of rental income and a current lease. Unbelievable we showed you my husband XXXX award letter for the time he started getting his XXXX check after a year and half. Ocwen make FHA sound like so sorry for your bad luck. But after all of we do n't care. I believe this underwriter did not follow the occs guideline, please research this for me. I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Foris DAX, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I started using crypto.com when a lady by the name of XXXX XXXX invited me their XXXX investment that offers high yields and I was hesitant before as Im thinking its a scam but when they use crypto.com to send money and I can send money to them with cryptocurrency I was convince that they are legitimate until the week of XXXX XXXX where i send money to XXXX XXXX bank which is connected to crypto.com and buy cryptocurrency and send it to the scammer for the payment of the said tax which crypto.com said some exchange ask for tax but scammers never return the profit from my investments even I paid the tax thru crypto.com thru the scammers wallet address that I reported to crypto.com which they disable my account but the scammers still asking for the said tax.I sent the said money most of it via wire transfer in the amount of XXXX dollars and XXXX thru my checking account at XXXX bank.the scammers sent me money in small amounts but not big amounts thru crypto.com app and they said once you said thru the wallet address you cant trace or refund it back but in the news today where crypto.com accidentally sent millions of dollars to a wallet address but they were able to trace and ask for the return of said money contrary to their claim you cant trace it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I fell behind on payment of my American Express XXXX XXXX. Before they ever spoke to me even XXXX, they called my XXXX and spoke with my XXXX. They gave her exact details telling her that I was XXXX XXXX past due on my bill with total amount late and owed. Telling her complete details of my credit card account! 
This call was placed from American Express XXXX XXXXXXXX XXXX at their office location. 
My XXXX are in their XXXX '' s. This has upset them terribly! I am extremely embarrassed and upset that a bank would use tactics of this nature and also being illegal for them to do so is surprising. 
Everything I'm stating is XXXX XXXX true and accurate and could have my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had Ocwen for my mortgage since XX/XX/XXXX when they bought my loan from XXXX. It has been a complete mess ever since. I called for a payoff quote XX/XX/XXXX and then again XX/XX/XXXX. When I received the pay off quote in XX/XX/XXXX the pay off was higher than the one in XX/XX/XXXX, so I called Ocwen for clarification. After trying to speak with numerous people that have no clue what they are doing ... I hung up and called back and actually got someone with some sort of a brain. She preceded to tell me I was 4 months behind on my mtg. I said to her I have never missed a payment in 10 years so where are you applying my payment? So I found out that in XX/XX/XXXX my payment increased but they were not allowed to contact us due to Bankruptcy laws. So for the last 5 years we have been mailing in the wrong payment amount. I am in the process of closing on a new home in one week and because of this Ocwen is not reporting it at all on my credit and my new home is on hold! Ocwen is ruining this for a lot of people! So one needs to stop them ... this is why there are so many forclosures put there!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted by American Medical Collection Agency ( AMCA ). AMCA violated the Fair Debt Collection Practices Act in several ways. AMCA did not give me notice of my right to dispute the debt. AMCA did not give me enough information to verify the debt. AMCA refused to provide me with the address of the original claimant when I requested it. I would request that the CFPB take any and all measures against AMCA based on their violation of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have a credit freeze with the bureaus due to extensive identity theft. I have no difficulty lifting my freeze with XXXX or XXXX, but no one is able to pull a lifted report from Equifax. I will receive written documentation and verbal confirmation from Equifax indicating the lift is in place, however anyone who attempts to pull credit receives the following message : " bureau error, no data to display '' with a numerical value of " XXXX ''. The companies attempting to pull credit have indicated the message regarding frozen credit should appear when frozen, and the numerical score should appear when the freeze has been lifted. None have confirmed receiving this message when an individual has a freeze in place. This message was received from Equifax, both when the credit was frozen, and the lift was in place. When I questioned this, Equifax indicated this is a normal message due to the freeze and should not appear when the lift is in place. When they are questioned why the message continues to appear when the lift is in place, each Equifax representative provides the same answer, " they ( company attempting to pull credit ) do n't know how to pull credit ''.

Company response to consumer: Closed with explanation