BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-25
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
To prevent the borrower ( XXXX XXXX XXXX ) from taking advantage of his rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure, the lender and/or the lenders agent have committed the following illegal acts and violations.1. " In violation of Section 6 of the .... ( RESPA ), under Section 6 of RESPA, lender did not acknowledge my timely request within 20 business days. " Lender DID NOT and HAVE NOT acknowledge my timely request to date, long past the period required by the Act, to take advantage of my rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure.2. The lender violated XXXX XXXX, when he and his authorized agent ( same as above ), committed perjury under the laws of the state of Washington, when they stated, under penalty of perjury, that he " the beneficiary or beneficiary 's authorized agent has exercised due diligence to contact borrower, ( me ), as required in XXXX XXXX ( XXXX ) and the borrower did not respond ''. Lender ( XXXX XXXX XXXX ) DID TIMELY RESPOND, to take advantage of my rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure.3. In violation of XXXX XXXX, the lender and/or his authorized agent illegally filed a NOTICE OF DEFAULT. Attached are copies of BORROWER 'S proofs that the lender and lender 's authorized agent did commit the illegal acts stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
My complaint is to Capital One Auto Finance From XX/XX/XXXX to XX/XX/XXXX, For the last 5 + years they have been reporting incorrect payment history on a joint account. I've tried numerous times to dispute this account but they never changed anything, and as a result it has caused lenders to view me in such a way that I have been unable to obtain adequate auto financing and also had a period of time when I was homeless with 3 children and sleeping in a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account was first Frozen on XX/XX/2020 and has a positive balance of {$1100.00}. They are holding this money due to the fact that a previous PayPal account had gone into the negative and they are demanding that the previous account be brought current before they will release the funds of this current account. I have explained to them that with the coronavirus and everything else going on, the release of the funds and the current account are going to begin the process of resolution on the previous year 's accounts. I don't believe that this money should have just been taken XXXX an ultimatum on a previous debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: AZ
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: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/2020, Equifax has stated that my Date of Birth as they alone have, is verified. I want to know The procedure to determine this DoB? Who exactly provided this information? As after 4 certified mailing sent with all required documents, I still can not log into or use phone tree as my SS # and DoB do not match. I really am only asking, who with exact details, is disclosing this information. The only answer I get after repeated request XXXX by my consumer rights ) is how did equifax determine their accuracy? Who exactly provided this information? 
COMPLAINT ID XXXX After the above, I still only receive an answer of " no exact details. '' I want exact details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Experian Information Solutions Inc.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
I have sent this document to XXXX  and they are saying they have not received my document I would like the bankruptcy chapterXXXX  to be remove from my credit report.

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 2016-09-13
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We closed on our house in NJ on XXXX/XXXX/2016 and we are still waiting for our escrow check. Since the XXXX or XXXX of XXXX we have been calling them every week, and we get a different story about the check every time we call. Since out first call in XXXX to this day XXXX XXXX, They have supposedly sent out XXXX checks due to us not receiving the first, the second and the third check. They also told us they were going to do an investigation on the first check we never received to see if it had been cashed. And of course when we inquired about it they told us it was internal information and that they could not tell us what happened to the check. Now there saying that it is the Us post that keeps losing the checks, however they could not present any real truth to this as they were not able to give us a tracking number for these checks. Regardless, if this was the case would they not be willing to resolve this issue with the post. 
The company is called Roundpoint mortgage and is located at XXXX XXXX XXXX XXXX XXXX, NC XXXX Can you please help us. We are at our end!!!!!!!!!!!!!

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 2021-04-26
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax ; XXXX  and XXXX should not be reporting the XXXX  XXXX partial account number XXXX and XXXX. These accounts are over ( 7 ) years old and should be removed. Equifax ; XXXX XXXX XXXX should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax ; XXXX and XXXX should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax XXXX XXXX  and XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax should not be reporting the XXXX  partial account numbers XXXX and XXXX. These accounts are over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX  should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. ( Please see pages attached from my credit report. ) This reporting of aged accounts that should no longer be reporting is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus multiple times to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Deptartment of Education/NELNET is reporting XXXX accounts 120 + days past due which is incorrect. My loans was originally in deferment while I was in school once I stopped going to school my loans was in forebearance which means no payments was due. NELET has been contacted several times and the last representative I spoke with looked over my account and agreed that I should not have any late payments reporting that it looked like the person who originally did my forbearance made a mistake, she gave me the information that I needed to dispute the accounts which I did and I have not heard anyhting back from NELNET. NELNET was also sent a certified validation letter which they have not responded to. If this false informoration is not updated or deleted I will see legal council and begin a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Self Financial Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a problem with Self last year that wasn't fully rectified. They closed my loan account but I never received my money from that account. I was contacted by corporate saying they'd issue a check but they still have yet to do so. I requested that they put the money owed towards my balance I believe account # XXXX if they weren't going to send me my refund. I have them another chance this year account # XXXX. We are still having issues. I had my identity stolen and had to change checking accounts. I updated my account for some reason it didn't take it from the new account I provided but the old one. I have tried several times to call customer service to no avail. This is my only credit card that I've had issues with. Self is an amazing concept to help people build credit. But the communication is horrible with customer service. Honestly this should've been extremely easy to fix. I'm a XXXX XXXX XXXX  I don't have alot of free time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
i demand this collection account be removed from credit report ( CREDIT CORP SOLUTIONS IN XXXX ). Per law 15USC 1692g, as the original credito only i can validate this debt, i do not validate this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THIS IS AN UNIQUE PROBLEM I HAVE TRIED TO GET THIS RESOLVED WITH THE CREDIT AGENCIES, BUT THEY REFUSE TO REMOVE THE BANKRUPTCY FROM MY REPORT. I FILED ON XX/XX/2019 AND HAD IT DISMISSED ON XX/XX/2019. CASE NUMBER XXXX. MY CASE NEVER WENT THROUGH THE FULL PROCESS, I FEEL THAT I SHOULD NOT BE PENALIZED BY HAVING THIS REMAIN ON MY CREDIT REPORT FOR SEVEN YEARS, BECAUSE I WAS ABLE TO PAY OFF ALL OF THE BILLS. I AM ATTACHING DOCUMENTS SHOW THAT THE CASE WAS DISMISSED AND I DID NOT COMPLETE THE FULL PROCESS. I HOPE THIS WILL ALLOW THIS BANKRUPTCY TO BE REMOVED FROM ALL THREE REPORTING AGENCIES. THANK YOU

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 2017-03-21
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My account was charged for XXXX insufficient funds fees charges this morning. Over the weekend, my XXXX fee was withdrawn and left me {$98.00} overdrawn. ( I did not know banking happened over the weekend ) On Tuesday morning chase bank chose to charge me for the overdraw of XXXX smaller charges, XXXX of them {$22.00}, which is less than the overdraw fee itself, XXXX for less than {$35.00}, which is less than a dollar over the overdraw fee itself, and XXXX for {$55.00}. The reasoning they gave me is that they handle the largest charges first and something about pending charges versus cleared charges. None of the charges are pending to me since they remove the money from my account the second the charge comes in. The money for all of these charges was deposited on the first banking day as it is always deposited in the many years I have banked with Chase. In addition, the smaller fees would have been covered until the XXXX fee - so the insufficient funds fee was valid for XXXX but not for the smaller fees. The XXXX fee happened over a weekend when there should be no banking anyway. I have called Chase to have the fees reversed and they refused. I spoke to XXXX different people, the last being supervisor XXXX who 1 ) said she tried to reverse but the system wo n't let her because I 've gone past my courtesy limit this year 2 ) I asked her which regulatory agency I could complain to because this is corporate theft, and she told me she is the XXXX I would complain to. I asked her again to tell me who regulates banks and she said she understood and was very sorry but did not recommend a regulatory agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: VA
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
First of all these student loans consist of Stafford and consolidation. My complaint is being made due to selling of my loan and late notification. In XXXX 2016 I made my due current payment to XXXX XXXX XXXX. Later I received a letter from Nelnet stating they purchased my loan. I was also on a contract due to hardship for a specific payment. I was told by XXXX they had my payment and would forward. Nelnet told me they still needed payment ( grace of 15 days ) I borrowed and paid XXXX payment. I was told they would honor the contract, however, I would have to re-qualify upon renewal. Today! I received from Nelnet a payment of {$430.00}, variable interest rate changes, and late fees. 
I am at retirement making {$14.00} an hour trying to keep my expenses within my budget. I have been paying this loan for over eight years and current with this payment plan based on my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notified SEQUIUM ASSET SOLUTION, Original creditor : XXXX  XXXX Reference Number : XXXX, Creditor : XXXX XXXX XXXX XXXX, Creditor Account Number : XXXX, Total Due : {$2400.00} about a fraud account they will not remove it thy received a letter on XXXX XXXX Sent A police report and a fraud letter still not remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX I purchase my home original loan amount with Chase bank {$100000.00}, in XX/XX/XXXX I was forced to do a loan modification with Chase Bank at that time my loan amount was {$100000.00} I just today XXXX/XXXX/XXXX realized that at the time of the modification Chase put another {$11000.00} on to my principle balance bringing the loan amount up {$110000.00} and even after XXXX years of making payments I owe {$100000.00} on a home that I have been paying on for fourteen years. Not to mention that they gave me a 40 year period in which to pay this. The modification was done in XX/XX/XXXX it is now XX/XX/XXXX how is it possible after making monthly payments for four years my principle balance has only come down XXXX dollars? and how is it that in doing a loan modification they are able to add on {$11000.00} to my principle balance? How is it that I owe more on my home now then what I purchase it for fourteen years ago? I have never received a loan against the property, I have tried to be responsible and do the right thing how could this have happened. The banks are really getting over, rip off. The Loan Modification I thought was put in place to help people stay in there homes, Obama created this mess he needs to step up and do something about it. I WOULD ADVISE EVRYONE DO NOT DO A MODIFICATION WITH CHASE BANK!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The problem Im having is with NewRez LLC mortgage company they took over my old mortgage company XXXX Mortgage In XX/XX/XXXX. NewRez LLC has been asking for proof of hazard Ins. From XXXX.to XXXX and from XXXX XXXX to present by sending me letters in the mail. I have been faxing my proof of hazard Ins .since XXXX and by scanning them to the Co. XXXX in XXXX XXXX then XXXX in XXXX XXXX and then XXXX XXXX in XX/XX/XXXX then XXXX XXXX in XXXX til the present time nobody said they received anything from me. Now Im getting escrow balance from NewRez LLC for Hazard Ins. When I have hazard Ins. For 20 yrs. on this property I never lapsed in coverage. I believe NewRez LLC forcing me to buy hazard Ins. from them. And forcing me to pay for something that I have already .Ive reached out to NewRez LLC multiple times each month since XX/XX/XXXX and this is not resolved yet no matter who I speak to from NewRez LLC

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
We 've had this loan for a while now and in it 's simplest terms the amount applied to the principal versus the amount to interest is silly. Out of XXXX applied in may 2016 applied to interest is XXXX and XXXX applied to principal and it 's been this way for the entire loan process and we are having a difficult time repaying the loan back at that mthly amount. We tried to get it lowered they say we make too much money which is a silly comment at best. This whole loan with Nelnet seems like it should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Kriya Capital, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Credence Resource Management via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Credence has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.

Company response to consumer: Closed with non-monetary relief