BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been experiencing servicing issues with Bank of America and have never received a copy of my " Mortgage Note ''. I am requesting copies of my " mortgage note and any/all current agreements with the lender. Please be advised that I am requesting solely the requested said items. I am in receipt of payment history and do not wish to have a copy.

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 2020-03-04
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX   Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this  document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Received a check from Wells Fargo Customer Remediation ( XXXX ) XXXX. XXXX XXXX, XXXX, OR XXXX ; Dated XX/XX/2020 ; scan bar with XXXX It had old accounts on there which Wells Fargo Closed , but now is apologizing for with a check for me in the amount of {$150.00}, which I ripped up of course, due to WFargo closing my account for no reason in the first place. 
It states that Wells Fargo has requested an update to my XXXX XXXX XXXX consumer report so that it does not reflect that my deposit account was closed due to the hold. Total hogwash. 

I will gladly mail you the letter and check.

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 2022-08-19
Company: EQUIFAX, INC.
State: TX
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:
I recently reached out the the all three major credit bureaus. I requested they remove the balance off a credit card I was added to as a Authorized User. They investigated and verified the account was accurate. The issue is that since I am a authorized user I am not responsible for any debt obtained. the account was closed but the balance has yet to be remove. 
in accordance with the FCRA, the creditor and the credit bureaus have violated my rights under 15 U.S.C. 1681a sec 603. states only information on credit issued to a consumer is allowed 15 U.S.C. 1681a sec 604 A sec 2. States a consumer reporting agency can not furnish an account without proper written consent 15 U.S.C. 1681a sec 602A. states i have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We have multiple accounts at Chase bank. In XXXX XXXX, 2016, at about XXXX ET, a fraudster used my wife 's stolen social security number and a fake driver 's license to have a debit card re-issued to her. This card was only used for a small account, but the banker attached it to any account to which my wife 's social security number was attached. Ultimately, through ATM withdrawals with that re-issued card and a paper withdrawal slip, the fraudster stole {$9500.00} from our accounts. This was done at a bank at XXXX XXXX XXXX XXXX in XXXX XXXX, CA. We live in XXXX XXXX, FL, nearly XXXX miles away. We received immediate fraud alerts as this happened, and even saw the money disappearing as we spoke to the fraud department on the phone. 

Since then, Chase bank has repeatedly denied our claims, causing us to re-submit the claims to have our monies returned over six times. They have given us temporary credit, then withdrawn it five times. We have spent nearly 30 hours trying to resolve this, both in the bank, and on the phone with Chase, and lost our own work time and wages, each time being told the situation would be investigated. Our accounts are in constant flux, and we do not know when we can pay our bills. In many cases, we 've been sent to senior managers who have escalated the claims, only to have them denied later. The process has been taking an inordinate amount of time, and the burden has been on us to constantly prove what happened and re-tell the story. We have police reports, an FTC report, and other supporting documentation ( as well as our local branch VP ) in support of these claims, not to mention the fact that the crime was committed very far away. Yet, because the ATM withdrawals were done with a re-issued chip card, Chase continues to deny us. 

Chase Bank is responsible for this theft in the first place. Their security measures are either wholly insufficient, a banker at the XXXX XXXX branch is distinctly unqualified or negligent in his or her job, or that banker is a simple a criminal who was complicit in this. Chase has made a disaster out of this for us, particularly as we are " Private Clients '', which is a meaningless distinction in a bank that is too large to serve any customer well. We are furious and tired. While we await proper return of our money, it is clear that Chase cares little for its customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} and XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}.

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 2016-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was not aware of debt until XXXX 2016, when I ran my credit report then I learned couple of collection claims on my credit report I immediately contacted the bank ( Chase Bank ) and their collection company XXXX funding to provide me with the validity of XXXX collections claims and since I do n't have or utilized the credit or received any goods, monies and services of their claims, I requested them remove the validity of any such claims from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: IL
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:
TransUnion nd XXXX  are fraudulent on my following accounts XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX fraudulent on my credit Account # 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 2015-09-28
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently ended a Ch. XXXX bankruptcy and have been trying to bring my mortgage current or have it modified. I attempted to make payments on the loan on line but was restricted from doing so and was advised that as soon as they audited my Ch. XXXX payments they would notify me with a total and help make arrangements and until that time they would not be able to process payments on the account. 
I was sent the updated total by mail and attempted to contact them by phone. I have made many attempts to contact them at the number they provided, but have either been disconnected by their automated service while entering requested information or when I finally reach a operator they ca n't " hear me '' and disconnect. I have also attempted to make phone appointments with them via their website but am told my " session has ended '' when I click the submit button. 
Today they served me with a foreclosure notice and I have been once again been attempting to contact them for the last several hours with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Dear Sir or Madam, XX/XX/2016 I traveled to XXXX and used my Chase credit card during my travels. Of particular concern was a double charge on my card that was from a bar that I visited. However, I only authorized and signed for a single charge from this bar. I contacted Chase about this extraneous charge and they immediately reversed the charge of {$130.00}. On XX/XX/2016, I received a letter from Chase stating that they contacted the vendor, XXXX, to dispute the charge. The vendor provided XXXX sales receipts and thus, Chase considered the charge valid. Chase provided these XXXX sales receipts to me in the same letter. However, what is apparent is that the signatures on the sales receipt clearly show XXXX different signatures, one which I had signed and authorized and a second signature which I had not authorized or signed. None of my party signed or authorized the charge as well. If you focus on the signatures on the attached sales receipts, it is clearly evident that the signatures are clearly different. After noticing the discrepancies in the signatures, I contacted Chase again about this fradulent charge, speaking to at least XXXX people on the matter, all of whom were unhelpful and bounced me around to different departments. Eventually, I was then instructed to write a letter to Chase explaining the charge. On XX/XX/2016, I sent in a letter to re-dispute this matter. A month later, I received a letter from Chase on XX/XX/2016 stating they consider the charge valid because they are unable to find a " billing error. '' Again, I, nor any of my authorized users, authorize this charge. Just because I was present at the same establishment does not mean that the charge is valid. My credit card was swiped twice and someone else signed for it. I can only speculate that this charge was an error on the part of the bartender and the establishment, however I should not be the one liable for this charge when the vendor mixed up the sales receipts. Chase refuses to acknowledge this. I recently paid off the amount of {$130.00} because it was the remaining balance on a closed account and I no longer want to have a balance on it. However, that is not a justifiable reason and I would like Chase to refund me the amount of {$130.00} that was fraudulently charged on my credit card. If you would like, I can provide all correspondence between Chase and I on this matter, including the sales receipts that was provided by the vendor. I appreciate your help on this matter and please feel free to contact me at any time to discuss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
For one I have already sent this complaint but the credit bureaus assumed that it was a third party who sent it. It is not. I am XXXX XXXX. No one is speaking on my behalf and there is no 3rd party. The credit bureau is using this as a stall tactic to not complete my investigation. Here we are again well over 30 days and they still have not removed the fraudulent accounts from my credit report or completed an investigation. To my knowledge and 611 ( a ) they only have 30 days. If it takes longer than 30 days they must delete the accounts from my credit reports. I have researched the laws. I am at the point of going to litigation because this is becoming super stressful for me. I am also a victim of the XXXX  data breach and my information couldve gotten in the hands of anybody.

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 2020-10-01
Company: CrossCountry Mortgage LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I received a Loan Estimate on XX/XX/21 and was told by the agent that rates have come down to 2.75. 

I requested an update and the loan officer refuses to send me one until I am out of attorney review. 

The company is Cross Country Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am the XXXX of the XXXX XXXX XXXX XXXX XXXX ( XXXX ), a XXXX of approximately XXXX homes in the XXXX, TX area. Our average home price is between $ XXXX to $ XXXX. There is unfortunately a home located at XXXX XXXX XXXX, XXXX, TX XXXX that has been vacant for the past five or so years after the owner was placed in a XXXX XXXX. XXXX has had to spend {$30.00} per week to maintain the yard as the mortgage company does not have anyone maintaining the home. This has been going on now for over five years. The home continues to deteriorate to the dismay of the neighbors and the community. The back yard is a health hazard due to overgrown vegetation. The mortgage company is Ocwen Mortgage and of course they refuse to speak to anyone about the home due to privacy reasons. The home has never been posted for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
ONCE AGAIN I COMPLAIN. I AM SURE YOU WILL DO NOTHING ABOUT MY COMPLAINT! YOU ARE MY GOVERNMENT AND YOU DO NOT PROTECT ME FROM CHASE BANK THE MOST SCANDALOUS BANK THERE IS. EIGHT YEARS OF LIES, DECEIT, THEFT, COMPLETE INCOMPETENCE, AND RECKLESS HANDLING OF MY FINANCIAL AFFAIRS.CHASE HAS TRIED TO GET ME TO COMMIT PUGERY BY ASKING ME TO SIGN DOCUMENTS ON A MODIFICATION THEY TOLD ME I QUALIFIED FOR.THEY ILLEGALLY FORECLOSED ON MY PROPERTY IN 2010. I HAVE SPENT {$37000.00} IN LEGAL FEES FIGHTING THEM. THEY TOOK MY PROPERTY BUT HAD TO RETURN IT DUE TO THEIR NEGLIGENCE. BUT BEFORE THEY DID, WHILE I WAS IN THE REDEMPTION PERIOD OF THE ILLEGAL FORECLOSURE, THEY BROKE INTO MY PROPERTY AND DID {$2500.00} WORTH OF DAMAGE, CUT MY UTILITIES OFF, CANCELLED MY UTILITIES. ALL ILLEGALLY. AND YOU STAND BY AND DO NOTHING. NOW I AM BACK TO SQUARE ONE. I MUST ACCORDING TO THEM SEND AN APPLICATION AND MORE PAPERWORK. IVE DONE THIS AT LEAST SEVEN TIMES. IT IS A SHAME OBAMA OPENED YOUR OFFICE TO HELP PEOPLE BUT YOU DO NOTHING. I WANT TO BE CONTACTED DIRECTLY BY YOU AND BY XXXX XXXX TO FIX THE NIGHTMARE THEY HAVE CREATED FOR ME. LIARS AND CHEATS. THEY HAVE DESTROYED MY EXCELLENT CREDIT RATING OF XXXX. IT NEVER ENDS. I JUST KEEP HAVING TO DEAL WITH XXXX EMPLOYEES OF CHASE BANK.WHO DO NOT FIX ANYTHING.FILE THESE COMPLAINTS WITH YOU AND LIKE I SAID YOU DO NOTHING.THE ONLY REASON I GOT BEHIND IS THEY TOLD ME I HAD TO BE BEHIND IN ORDER TO GET THE MODIFICATIONS. I HAD NEVER BEEN LATE WITH ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Applied Data Finance, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2019 I obtained a {$5700.00} loan from Allied Data LLC DBA Personify Financial. My payments were {$190.00} every other week. My first few payments I made well in advance and they were not applied but returned, I had to call as I was getting harassing emails and phone calls saying my payment was late, when in fact it was early. 

Secondly, since XX/XX/2019, they are applying 100 % of my payment to interest and nothing to principal even the amount that I pay over the minimum payment of which I was told goes directly to principal. 
They said that interest is computed daily, so by not applying my payment correctly to both interest and principal, they are increasing the amount of interest they will be paid instead of correcting reducing the principal. 

I have called approximately 4 times over the past month to have this fixed and have been told each time someone will get back to me in 5-7 days, NEVER has anyone called back. 

Lastly, they incorrectly reported consistent late payments to the credit bureau and caused me a {$3000.00} additional rent deposit as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Frost-Arnett Company
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Frost Arnett Company are continuing to try to collect on a debt that I have plainly told them was as a result of identity theft. I have mailed a certified letter and I have made a phone call to Frost Arnett to  tell them that the debt that they are attempting to collect on was due to someone using my personal information that they obtained when my identity was stolen. When I spoke to them on the phone they told me that they did not care if the debt was from identity theft that I just needed to pay it. I told them that I was not going to pay a debt that I did not owe, and they told me that if I did not pay the debt that they would have me arrested. I told them that I was not going to pay for a fraudulent debt and they told me they would report the item to all XXXX credit bureaus so that they would prevent me from being able to obtain credit until I paid the fraudulent debt. I told them that it was unlawful to defame someone 's character, but they told me that they would do what they wanted to do until I paid the fraudulent debt. The debt was from XXXX Hospital the account number for the fraudulent debt with Frost Arnett is XXXX. I have also contacted XXXX XXXX Hospital and told them this was not my debt and was as the result of identity theft, but they refused to speak to me and told me that I had to contact the collection agency. I told XXXX XXXX that Frost Arnett was verbally abusive to me and were threatening me, and they told m that they did not care that I had to contact them and pay the fraudulent debt.

Company response to consumer: Closed with explanation