BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Other

Complaint:
Chase Cardmember Services continue to report inaccurate information on my credit report. I have notified them that this account does NOT belong to me. They refuse to investigate and verify to show proof that this account does NOT belong to me. I 've request that they remove this item from my credit report but Chase has refused to do so. This reporting on my credit report has damaged my credit file completely. There 's no way I can get back the points I lost due to their negligence of inaccurate reporting. Chase continues to violate my rights under the Fair Credit Reporting Act by reporting inaccurate information and damaging my credit file. I have include a copy of my recent XXXX Credit Report to show the adverse reporting on my credit report. As you will see, ALL of creditors are in EXCELLENT Chase Cardmember Services continue to report inaccurate information on my credit report. I have notified them that this account does NOT belong to me. They refuse to investigate and verify to show proof that this account does NOT belong to me. I 've request that they remove this item from my credit report but Chase has refused to do so. This reporting on my credit report has damaged my credit file completely. There 's no way I can get back the points I lost due to their negligence of inaccurate reporting. Chase continues to violate my rights under the Fair Credit Reporting Act by reporting inaccurate information and damaging my credit file. I have include a copy of my recent XXXX Credit Report to show the adverse reporting on my credit report. As you will see, ALL of creditors are in EXCELLENT STANDING. I am extremely responsible with my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/2016 my husband had brought his XXXX and enjoy the park. I fell ill at the park, so my husband rented a wheelchair in order to get me from the park to the parking lot. My husband, XXXX XXXX, understood that the charge for the wheelchair rental was {$25.00} with a {$25.00} deposit. He rented the wheelchair at XXXX and returned the wheelchair at XXXX. Instead of refunding the {$25.00} deposit, the clerk charged him an additional {$50.00}. He was in a hurry to get back to his XXXX and did not double check the receipt. My husband was in error by not double checking the receipt, but that in no way entitles XXXX to {$75.00} additional funds. 
Chase initially took the charges off, but added a {$50.00} charge back to my account XX/XX/2016, even though we had faxed a notice to them on XX/XX/2016 that the amount was still in dispute. XXXX is claiming the charges are legitimate because there are two receipts, even though it has been explained that the second receipt should have had a refund of {$25.00} and not another {$50.00} charge. 
We are unable to reach anyone by phone at Chase or XXXX to resolve this. They call, but there is no caller id and I do not answer unidentified callers. They leave a message and we call back, but they are always away from their desk and do not return our calls. 
I sent them a notice today by fax at XXXX CDT that they needed to call us back by XXXX today or I would be filing this complaint. There was, of course, no return phone call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Judgement showing on my credit report was never recorded and was paid to the original credit before filed. I have disputed 3 times through bureaus and they keep verifying it but the record is wrong. The judgement was never filed and should be completely removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have actually, recently paid off a mortgage serviced by NewRez/Shellpoint. Account number : XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX, CO XXXX. They acquired our mortgage for XXXX around the first of the year. In the transition, some automatic payments from our bank went to the old account at XXXX. In XXXX we became aware of the problem. We began a series of calls that has led to two of the errant payments being properly credited. We are still dealing with the third. 

On XX/XX/2020, in response to a request from them, we sent unredacted bank statements for XXXX ( the month in question ) and XXXX, to show that a ) the payment was made and b ) that it was not refused and credited back to our account ( as their records indicate ). I called again today and was told that I could not even talk with someone in the department that is now dealing with this issue. We re-emailed the requested documents today and then came here to, after almost four months of frustration, file a complaint. 

We are providing documentation below, which has been sent to Shellpoint ( multiple times ). Here we only want to add that we have never experienced a company where the employees have been uniformly not merely professional and polite but seemed to genuinely want to help but the entire system seems to be set up to make that impossible. You can not speak to the person you previously spoke to making the process both much slower and deadeningly repetitive. And once it is confirmed that you may indeed have a real problem with their service, you can't even talk to a person in the department that is dealing with you issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
I bought a new dishwasher from XXXX over the phone using my Chase card. Chase flagged the charge as fraudulent, declined the charge, and suspended my card, but did not attempt to contact me until hours later when they sent me a text message asking if the charge was fraudulent, and then a follow up ( after I responded that it was legitimate ) saying that they had declined the charge and I should contact the merchant. At no time was I informed that my card was suspended until I actually called Chase to discuss the charge declination. And at no point before declining the charge and suspending my card did Chase try to contact me to determine if the charge was legitimate. When I called Chase, they were unable to explain why any of this had occurred, and actually tried to deny that it had happened. To be 100 % clear, there was no fraudulent transaction here. This is a dangerous practice that harms consumers, who depend on the assumption that if their credit line is sufficient, they 'll be able to buy things. What is the point of having a credit card that can decline charges randomly, on no basis, with no notice?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
WENT TO XXXX XXXX CHASE BRANCH, BRANCH # XXXX. THE CASHIERS NAME IS XXXX AT CHASE XXXX XXXX. THE TIME I WENT IN AT WAS XXXX COUNTED THE CASH TO BE DEPOSITED TO A CREDIT CARD AS PAYMENT AND IT WAS {$6000.00} WHEN I ARRIVED AND HANDED THE TELLER THE MONEY SHE FED IT THROUGH THE MACHINE AND IT SAID {$5000.00}. I FELT PRESSURED AND ANXIOUS AS I DO NOT WANT TO COUNT THE MONEY IN THE LOBBY OF A BANK. SHE DID NOT HAND COUNT IT. SHE ONLY FED IT THROUGH A MACHINE. I COULD NOT PHYSICALLY SEE THIS BECAUSE THE COUNTER IS SO HIGH. AND THERE IS A BULLETPROOF GLASS. 

IF A {$1000.00} WENT MISSING IT MUST BE AT MY HOUSE SINCE I LIVE XXXX CITY BLOCKS AWAY AND WENT DIRECTLY FROM MY HOME TO THE BANK. 

WHEN I LEFT THE BANK TO CHECK MY HOUSE AND MY HOUSE WAS EMPTY I PROMPTLY WENT BACK. AFTER SPEAKING TO THE BANK MANAGER SHE SAID SORRY. WE RECOUNTED AND THE DRAWER IS COMPLETE AND GAVE ME A DESCRIPTION OF THE DEPOSIT. WHEN I ASKED IF THERE WERE CAMERAS SHE SAID NO. WHEN I THEN ASKED IF THERE IS A CAMERA THAT WATCHES THE TELLER, SHE SAID NO. WHEN I ASKED TO SEE THE TAPE SHE SAID NO AND STATED HER TELLERS DO NOT STEAL. WHEN PRESSED FURTHER AS TO WHAT PURPOSE THE CAMERA SERVES SHE SAID TO SHOW TRANSACTIONS FROM CUSTOMER TO TELLER, BUT THEN NOTHING IS SHOWN TO PROTECT THE CUSTOMER FROM A TELLER STEALING SINCE THERE IS NO TAPE OF IT. I MADE THIS POINT CLEAR TO HER. 

THIS DOES NOT SOUND CORRECT. MOST BRANCHES I HAVE EVER BEEN TO HAVE CAMERAS TRAINED ON THE CUSTOMER AND TELLER SHOWING THE TELLER 'S ACTIVITY. SHE TOLD ME HER TELLERS DO N'T STEAL, ETC ETC. BUT HOW CAN THIS PROTECT THE CONSUMER? IF THERE ARE NO CAMERAS ON THE TELLER THEN THE TELLER CAN SAY WHAT SHE WANTS AND PUT INTO THE CASH DRAWER ANY AMOUNT SHE WANTS. I REFUSE TO BELIEVE THIS AND I DEMAND AN INVESTIGATION INTO THIS. 

I REFUTE THIS CLAIM AS XXXX DOLLAR BILLS DO NOT GO MISSING ON ITS OWN. I FEEL AS IF THIS TELLER MISCOUNTED MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have asked Equifax and XXXX XXXX XXXX and XXXX XXXX to send me information on this XXXX XXXX. This is supposedly the Dr I owe money to. I have never seen this Dr and they refuse to sent me information on this debt. I ask them how they can ] ] place something on someone credit and not have to verify the debt. The XXXX XXXX said they sent this back to the Dr as uncollectable and this XXXX XXXX too it over. Then they wont remove this from my credit. I want someone to send me proof of this debt and Equifax refusing to send me proof of this debt. Equifax has people that use a script and do not really answer any questions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have filed for a loan modification and was just recently informed that it was denied because I took to long and did n't have the money to make the 31 % money in excess. Now I have been waiting for a period of over a month to be told that my paperwork was put in late but I went through a credit counseling agency that looked over all the paperwork, submitted for me. If it was n't for the mortgage company taking their grand old time telling me over and over I was missing documents, the paperwork would have been out arrived in time and they never mentioned that to the credit agency that submitted the paperwork. 
For the last month I called and was kept being told it was in review. However on XXXX XXXX I was told it was denied. The practices of this mortgage company to me are morally dishonest because they said if I came up with XXXX dollars then they would work with me. 
None of these do called programs have been able to help me and my wife and I are both XXXX and now will be evicted from our home. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX XXXXXXXXXXXX could help us, I find that totally unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
GMAC is reporting incorrectly XXXX mortgage late payments on XX/XX/XXXX & XX/XX/XXXX. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments delivered but were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to GMAC, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru the day I payoff this mortgage XX/XX/XXXX. I am applying for a Mortgage and this issue is affecting my credit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was behind in my mortgage payments because my husband was out of work. I had to borrow XXXX dollars to get caught up. I was told not to worry about the late free or the fees because they started foreclosure. I am up to date on my mortgage payment but I received a default notice saying I owe the fee 's. I do not have XXXX to pay and they will not work with me. Owen Loan Service is the worst mortgage company. They have so many complaints and bad review I can not understand why there are still around. I did all of what I was suppose to do. When you call XXXX person give you XXXX advice then you call back 15 minutes later and you are told the first person gave the wrong information. I ask them before to send me verification about not paying the late frees and other fees they told me they could not. Every time you get a letter from them it never has a person signature on it and you can never speak to a manger or someone high up. I do n't know what more to do I am at my wits end with this company I also found out that they were not paying my taxes as they were suppose to now I have a lien on my home. I called my homeowner to make sure they paid they just waiting for a call back I called them today. Please help all the poor people who have this company I ask you to get this company out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This has been on my credit for over 7 years. After 7 years it 's supposed to drop off of my credit! .... plus I have no idea what this is even from. I have had lots of fraud on my social security number. Even the IRS has contacted me about this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
these account are incorrect plese remove XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: MS
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:
Experian and XXXX are fraudulent on my credit account DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXXXXXX is fraudulent on my Acct # XXXX. XXXX XXXX XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on Acct # 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 2017-02-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a loan modification back on XXXX XXXX, XXXX and was denied XXXX XXXX, XXXX. I have fallen behind on my monthly payments for various reasons. I have not had a stable income because I have been employed and unemployed throughout the years. I lost my job in XXXX and all of XXXX I was unemployed. I got by on a day to day basis depending on the rental income that I would receive once a month but as of XXXX XXXX the tenants stopped giving rent. My son who was also helping me financially moved out and I have had to stay and deal with the tenants who are occupying the home without paying. I have seeked helped to evict the tenants but it takes money ; which is something I do n't have. I 'm doing my best to try and save my home. I have thankfully been blessed with another job but I do not have the money to reinstate based on the circumstances that I have mentioned. Please help me save my home as I do n't know where I will go if I lose it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My mortgage company is reporting to credit bureaus that my account is closed due to bankruptcy filing of chapter XXXX. I am in a current chapter XXXX and making regular monthly payments to them but that not being reflected on my credit reports. i have called numerous time to have it corrected but nothing gets done and my cr5edit score is being effected by it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX is showing over 120 days delinquent on a Mortgage that was included in a Bankruptcy that was discharged XX/XX/XXXX. The loan was sold to Ocwen Loan Servicing in XX/XX/XXXX a year after is was included in the Bankruptcy which is now reporting me delinquent on a loan that was discharged in the Bankruptcy. Litton is no longer in service so there is no way to get them to respond to my complaint. At least XXXX Complaints have been filed with both XXXX and XXXX regarding XXXX loan companies and have still not gotten the issue resolved. We are currently trying to buy a house and can not proceed until these issues are resolved. The property address in question is XXXX XXXX XXXX, XXXX, MD XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Noticed inaccurate information regarding a student loan I had with Salie Mae. 
XX/XX/XXXX requested loan documents.Called into customer service and was told I will be mailed original copy of signed agreement showing amount and interest rate. 

XX/XX/XXXX followed up on original request of loan documents. Provided address. Was told it was submitted but not all the way. 

XX/XX/XXXX followed up on 2nd request of loan documents. Was told documents were sent out XXXX. Said they did not have complete address missing unit #. Again provided complete address had employee confirm address by reading it back. Let her know if i do not receive the documents within 14 business days starting from today I will file a written complaint with the ombudsman and after that I will need to take legal action. 

Have only received " Notice of Loan Guarantee & Disclosure Statement. 
I have requested a number of times the original documents and Navient has been unable to furnish this request. Instead will send a statement. 

Loan ID # XXXX This has been a problem that I have been unable to resolve through their customer service department. No matter how many times I called and representatives I was escalated to I was never provided documentation of the loan commitment other than a printed statement of the loan. I was unable to move forward at that time and put the issue and payments on hold. I recently found out about CFPB and hope that this can resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hunter warfield has been calling me for two years straight over 10 times per day in regards to collecting a debt that does n't belong to me. I 've spoken with them about this yet and still they call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Conduent Incorporated
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have attempted to resolve this already with Ohio Eppicard, a child support debit card. There are purchases over the course of several months on my account I have disputed, mostly XXXX charges. I become aware of such charges approx XXXX 2016 at which time I notified the debit card company. I was informed the investigation period could take up to 90 days. I recently received notification that the investigation has been complete and I will not receive my funds.

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 2016-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The addresses on the credit report were said to have been removed but are still reporting. My name is also spelled incorrectly.

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 2015-05-20
Company: Integrity Solution Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The company filed a report against my credit without contacting me. When I contacted the company to see why they had filed a report against my credit without contacting me they stated I had given false information about myself. As I had never given any information on the debt as it was not mine ( it was a mistake from XXXX ). When I asked them to give me the information that led them to file the report against my credit they refused. They stated I had provided fraudulent material to XXXX and it was my responsibility to give a phone number and address I never gave any of that information to anyone as it was not my debt. They stated that I must contact XXXX. Only through them could I contest the charge. The company never contacted me and filed a resolution against my credit score and never provided any information to me on why they did this. They refused to help me at all when I explained their numerous mistakes in contact information ( that I had never provided as the initial company made the mistake ). XXXX worked to resolve this quickly. The debt collection agency said it was all my responsibility for THEIR mistake. They have kept the mark on my credit report even though I never had an opportunity to respond as they had wrong information and never contacted me to allow me to dispute their claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation