BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/20, I contacted BMO Harris Bank via phone to close my checking account that has {$0.00} in it. I was asked to verify my identity, and even though I am 100 % sure I answered all the verification questions correctly, I was told that my identity has to be verified another way. Consequently, I opted to have my identity verified through a text message associated with my phone number. I repeated to the representative the confirmation code I was sent, but again, I was told that I'll have to be verified another way. Now, I'll have to send BMO Harris Bank a copy of a current photo ID that has to be notarized ... .. Seriously, what bank asks for a form of photo ID that has to be notarized. I'm not spending around {$10.00} in order to close a checking account. I demand that my account be closed immediately and sent an apology for having wasted my time because of BMO Harris Bank 's antiquated and ineffective forms of identity verification.

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 2022-02-22
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized inquiries on my credit report. someone else applied in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
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:
FCRA violatons ; Wrong info XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMI

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Rewards

Complaint:
In XXXX 2017, I applied for a XXXX XXXX XXXX card under a special rewards offer. The offer at the time was XXXX points after spending {$5000.00} in the first 3 months. I opened this card in my local Chase branch through a special business relationship manager. Shortly after applying, Chase came out with a new rewards offer for the same card of XXXX points after spending {$5000.00} in the first 3 months. I called Chase to request a match and I received a letter in the mail from a Chase representative that the offer would be matched after completing the {$5000.00} spend. I reached out to Chase earlier this week but the representative saw nothing on my account and did n't know how to fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, Perhaps I am too wordy when i write and that is what takes you off point so let me be direct. 

On the three XXXX cards. 1 out of the three is 23 years old and you have been trying to collect on this. It is a 23 year year old identity theft credit card and you are still trying to collect on this up until last XXXX Why?? The other two XXXX are almost as old and you were trying to collect on them up until XX/XX/XXXX. Back in XXXX XXXX XXXX and I spoke and she was sent a letter sent to her, the FTC Affidavit and the XXXXPD report. So you knew that this was identity theft .Yet you continued to report me like I was some deadbeat. You knew I owed no money on these cards yet you continued to try and collect on them until XXXX of XXXX. Your company has never reported anything correctly keeping the damages rolling forward and growing larger. You have caused cumulative damages by the way you have reported me and yes there were double reporting on the same card in the same year. 


How are you going to fix this?? 


Next is LVNV XXXX XXXX. 

Please tell me how you are collecting on a credit card that is not mine? You are collecting on a credit card ending in XXXX. My credit card arrived and was activated in XXXX. By XXXX my card was cancelled you can see this on the statements I have sent. So again my question is how can you collect on a card XXXX and then switch to XXXX? And no matter how XXXX tries to explain it, it makes no sense. I am not the owner of XXXX. any charges related to XXXX are the person who owns this card go find them its not mine. My card XXXX arrives and is activated in XXXX. New cards come with a XXXX  balance last I checked. Mine arrives and the balance from XXXX and all the late charges and fees are dumped onto my card. SO my XXXX never has a XXXX  balance ; it arrives with charges. I don't use it and never charged a XXXX to this card so it should have remained a XXXX  balance. And the card is shut down in less than 4 weeks. XXXX says but the company made these adjustments '' yes but that never got my card that I owned for a month down to a XXXX balance and the company continued to smash our cards together so it's a mess I agree with you there but look at the statements and it becomes very clear that a mistake was made and I owe nothing. But once again you report me as a deadbeat you call harass, phone the neighbors are very difficult to deal with. I don't know if you just don't want to be wrong? I am not sure what LVNV Resurgents issues are but me being in this mess is not a place I care to be

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi My Name is XXXX XXXX and I reside at XXXX MD XXXX. I have lived here for 10 years and having been hit by the financial melt down where I have fallen behind my mortgage for a while. My problem is that I have been working with Ocwen Loan servicing on modification of my mortgage. They have me sending documents over and over again and they keep misplacing them. They then sent me to a XXXX XXXX, where we discussed that my contribution partner income does show a year to date income on their pay stub, even dou we have a yearly income and have verifed that he makes that income every year..My last conversation with her was that she was going to get a letter directly from the employer and she could not she will let me know.She sent me an email on the XXXX saying she has not received the documents from XXXX XXXX mover but yet they have scheduled for foreclosure. Every time they need a document they just go ahead and schedule for foreclosure. It seems they are more interested taking my property from me and my family than at list review my documents for a modification. Please help me get reviewed by them .Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been trying to get a loan modification since XXXX 2016 from ocwen. All i get from them is account is in review. They have stopped accepting partial payments and will not help with loan mod. They keep telling me some underwriter with no way to contact them has my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: Skopos Financial, LLC
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had bought a used vehicle in/or about XX/XX/XXXX, I come to find out the vehicle had been a rental vehicle by XXXX and Had been seriously wrecked on left rear and repaired by XXXX but of course the XXXX reported no accidents which I have come to find out this is common of rental companies not to disclose their vehicles have had accidents etc nevertheless, I fell behind on payments and this company ( Skopos Financial ) In Texas, Repo the vehicle in XX/XX/XXXX and as of this writing on my credit reports this company shows this is still an open loan as if I stll have the vehicle, and the automated voice account services I checked XX/XX/XXXX shows the same balance as is listed on my 3 different credit reports, and this is all in correct, They sold that vehicle in XX/XX/XXXX, So it should NOT be listed as an open loan, and the amount of balance should be reported as well being the vehicle was sold and I was never told what the bal was. I have contacted the credit places to try and correct this and nothing has been done, seems like this company has not made any reports to the credit reporting places since XX/XX/XXXX when they took the car. Skopos I feel is intentionally leaveing misleading, wrong information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
FREEDOM MORTGAGE INC reported a late mortgage payment for the month of XX/XX/XXXX which is a negative mark on my credit score. The payment was late due to their entire website being under maintenance for all of XXXX and most of XXXX. Their website being down disabled all attempts at making a payment through their archaic website that looks to have been developed in the late XXXX. I took proactive measures with FREEDOM MORTGAGE INC to resolve this issue internally, including : offering to sign up for auto-pay with my bank, making advance payments for the months of XXXX, XXXX and XXXX. 

They outright refused all of my very reasonable requests. I am filing this complaint because they took almost no responsibility for their website downtime ( in XX/XX/XXXX, where everything is digital ), and refused to remove their derogatory mark on my credit report with the three major bureaus. This company needs to take responsibility of having a functional website to accept payments when they have zero leniency on late payments due to faulty web design.

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 2020-09-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have 2 Chase Credit cards that have always been paid on time. In an attempt to get my house refinanced I paid down my credit cards to get my credit utilization percentage lower, so my credit score would go up. 

After making payments of XXXX they lowered my credit limit by the amount I paid. This caused my credit utilization to balloon to almost 100 % crushing my credit score and now I cant refinance. 

Credit card companies lowering credit limits and the impact utilization has on peoples credit is a crushing combination. This disproportionately affects the people who cant afford to pay down their balance which in turn affects the credit score making things more expensive. Ultimately this will increase defaults and push more people into poverty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: KY
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:
To Whom It May Concern : This letter is in response to your recent claim that XXXX   XXXX XXXX XXXX XXXX XXXX ( XXXX ) has verified that the account they are reporting under my name is accurate. I have recently been informed that there is negative information reported by your company in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have failed to post payments and other credits, charges that list the wrong dates and Metro 2. These are false allegations and I challenge the accuracy, compliance and reportability of this listing. I do not consent to e-oscar or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
To Whom It May Concern : This letter is in response to your recent claim that XXXX   XXXX XXXX XXXX XXXX XXXX ( XXXX ) has verified that the account they are reporting under my name is accurate. I have recently been informed that there is negative information reported by your company in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have failed to post payments and other credits, charges that list the wrong dates and Metro 2. These are false allegations and I challenge the accuracy, compliance and reportability of this listing. I do not consent to e-oscar or any means of automated verification.

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 2020-08-18
Company: FORD MOTOR CREDIT CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I was sent an email quote of {$18000.00} for a new XXXX XXXX by XXXX XXXX XXXX XXXX XXXX of XXXX, AZ on XX/XX/2020. When I talked to the salesperson by telephone a few minutes later, he said the financed price would be {$22000.00}. That price included taxes and fees but did not include a {$1500.00} discount that was in the original quote. I agreed to purchase the car at the quoted price of {$18000.00} and was unaware at the time that the {$1500.00} discount originally quoted was removed from the financed price. 

The car was brought to my home the next day, XX/XX/XXXX, along with the sales and financing contracts ( Deal # XXXX ). Due to coronavirus, I signed and became obligated on my front porch with both me and the salesperson wearing masks and gloves. 

After I signed the sales and financing contracts, the salesman took all copies of the contracts with him and left my house. I was not given a copy of the contract when I signed. After I both emailed and phoned the dealership, the contract was finally sent by postal mail 11 days after I signed. 

I contacted the company twice by email and once by telephone on or about XX/XX/2020, a few days after receiving copies of the contracts and raised my concern about the {$1500.00} discount that was deleted from the financing contract. They did not respond to my emails. The contract copies I was sent were not signed by the dealership. 

I filed a complaint with my state Attorney General. XXXX XXXX acknowledged in their responses to the complaint that 1 ) I was quoted {$18000.00} ; 2 ) the {$1500.00} discount was removed from the financed price ; 3 ) " copies of the contract were not left at the time the vehicle was delivered to the customer 's home because they had to be returned to the dealership and signed by the Finance Manager ''. 

XXXX XXXX later revised their explanation about not giving me copies of the contracts to " the customer never requested their copies upon signing and delivery at their residence ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is against Ocwen Loan Servicing. 

I have been overcharging by escrow, my annual XXXX City tax assessment {$3400.00}, and Ocwen was charging {$400.00} together with my Mortgage, it totals {$4800.00}, there were {$1300.00} overpaid every year. 

I made a complaint with Connecticut Attorney General already and they advised me report to your agency also. 

On XXXX XXXX Ocwen was already ready to increase my escrow charging {$450.00} every month, that makes {$5400.00}, so I cancelled, my escrow and decided to pay my taxes myself starting XXXX XXXX. 

But on XXXX I received a letter from City of XXXX, stating on an unpaid tax assessment date XXXX/XXXX/XXXX and the due date XXXX/XXXX/XXXX. 

When I reported to the CT General Attorney, they replied that, I had to pay, since I had no escrow anymore, but this letter is from XXXX and not XXXX, the due date is XXXX, but was from XXXX. 

What did they do wit the money they collected from me? 

This is an unfair practice, and Ocwen is raising every excused to cover their mistake, and XXXX Home Owners in the United States, are about to lose their homes because of these scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My PenFed Visa card was used 9 times on XX/XX/20 for a total of {$180.00}. I am the only one in possession of this card, and I pay at the pump. On XX/XX/20, I spoke by phone to XXXX, ID # XXXX at PenFed lost & stolen office providing him with this info. I went over this again on XX/XX/20 with XXXX at member services. She referred me to XXXX at fraud where I left a voicemail and received no response. On XX/XX/20 I filled out the fraud report mailed to me by PenFed which erroneously listed 4 charges totaling {$58.00} that were not fraudulent but did not list the 9 fraudulent charges totaling {$180.00} that I had reported. I enclosed a note under comments and also enclosed a copy of my statement highlighting the 9 fraudulent charges. This was faxed to XXXX. On XX/XX/20, I spoke to XXXX, ID # XXXX, who said I was credited for the {$58.00} ( legit. charges ) but not the {$180.00} which were the fraudulent charges. XXXX said he had to add the {$58.00} back on and then have the {$180.00} credited. After receiving my latest statement, I saw that the matter still was not rectified. On XX/XX/20, I received an Email from XXXX XXXX from the fraud unit at PenFed which reflected that she did not have any knowledge of my issue and referred to something else. I can forward you her Email and my response. On XX/XX/20, I received a notification that my Email was read. On XX/XX/20, I spoke with XXXX at customer service, ID # XXXX, and supervisor XXXX XXXX at XXXX. XXXX. Although Mr. XXXX took down all of my information, nothing was accomplished. On XX/XX/20, I spoke to XXXX at ext. XXXX, who stated that the 4 valid charges totaling {$58.00} would be put back on my statement, which they were, and that she would forward my concern about the {$180.00} to the proper people. On XX/XX/20 I filled out another fraud report mailed to me by PenFed which again erroneously listed the 4 charges totaling {$58.00} that were not fraudulent but did not list the 9 fraudulent charges totaling {$180.00} that I had reported. I faxed another explanation along with supporting documents. No resolution to date.

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 2015-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had my credit pulled for house loan application. However the credit score was quite lower than expected especially since I use credit karma to somewhat monitor my credit. I am aware that there are going to be differences, but with XXXX and transunion ( the ones XXXX uses, the gap was over XXXX points. ) XXXX had my score at XXXX about XXXX, transunion around XXXX, the credit scores that were received my home finance were XXXX and XXXX respectively. I reviewed the reason for the " low '' score and found the reasons. 
1.derogatory public record or collection. 
I was in the hospital ( XXXX XXXX XXXX in XXXX ). After not receiving a bill I called and asked. I was informed that bill was payed and no payment due. I was surprised and queried if info was correct. I was assured that no payments are due. About 2 months later I received from a collection agency a notice that I owe about XXXX $ to XXXX. I immediately called XXXX and was told, that there were XXXX accounts for me and that they had made an error. I told them that I have now a collection agency chasing me down for their error. I called the collection service and paid the outstanding amount. That was over 5 years ago and clerical errors have kept my score low!!! 
2.length of time credit has been etablished. 
I have been living for over 20 years in the US. I have had house payments since XX/XX/XXXX, car payments since XX/XX/XXXX, electric, gas, tv, cell phone bills for over 15 years. Credit cards and what have you. How long doe they want me to have credit.?? 99 % of the time I pay my bills on time, that 1 % I missed the due date which happens to the best of us. 
3.proportion of high credit on bank revolving. 
I have about XXXX $ in outstanding credit card bills, the total max/ credit limit on my cards is way over XXXX {$.00} that means I owe 20 % of maximum credit limit, how can this be a high revolving proportion of balance. 
4. Recent inquiries. 
In our days nobody has the cash to buy house or car outright. I refinanced my home, to have lower payment and pay credit cards off, and purchased a car, 11 months ago .... I ca n't see how that is a high amount of inquiries. The reporting agencies love for us to open credit cards to see that you pay them and pay on time to show you are responsibly managing your money. But then you get punished for having an inquiry on your record/ score. 
I hope you can help me out and have the situation rectified. These agencies have so much control over ones life, it 's almost criminal. I can see where people have several collections, maxed out credit cards, unpaid bills, inquiring about credit every two weeks that the score is low, but in my case it 's absolutely not the case. 
I appreciate your help!

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