BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT AND DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.

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 2020-08-15
Company: RentDebt Automated Collections, LLC
State: OK
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Recently disputed an amount owed to XXXX apts for a collection of eviction and rent debt automated collection has taken over the account. The court judgement shows for {$730.00} but they are validating to the credit report agencies that I owe over XXXX. I sent 3 letters to them to verify the debt and still havent gotten a reply. Credit agencies are reporting they they are responding that the amount is correct. I have my court documents showing other wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PHH Mortgage falsely reported our mortgage as being in forbearance. We have a perfect payment record and have never requested deferral or forbearance. They did this in the middle of a refinance and it ruined our refinance. My lender needed a one sentence statement : " We never solicited deferral or forbearance in conjunction with any of our loans with PHH. '' They refused to provide this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
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: Information belongs to someone else

Complaint:
I have tried to remove a fraudulent address on my report but Equifax refuses to take it off of report. I have documented proof and have had 2 phone calls where they stated they would delete however it never comes off. I have proof attached. On the attached file it clearly states deleted but its still on there. How is this even legal? Under the FCRA it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have received your reply to Case number : XXXX in which you state that you indeed granted me a loan under the HARP program ; however, the letter that you enclosed was never sent to me. I keep records of all correspondence on this loan. 
The reason I know that you never granted me the loan under the HARP program is because after the loan was approved, I learned about the existence of this program. I questioned your mortgage department not once but several times after that as to why I was not granted the loan under the HARP program and I was told that I had not qualified for it. Should you have granted the loan under the HARP program, should n't your staff have known about it and responded accordingly? 
Also, should you have granted me the loan under the HARP program, the rate would 've been much lower than 5 %. I would 've not need to extend the life of the loan to 30 from 20 years ( previous loan term ) to reduce the monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TRUIST FINANCIAL CORPORATION
State: SC
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One is claiming they no longer have a audio tape of when I cancel the card and took my ex off as an authorized using. So they say there is no proof. They had this audio in XXXX of XXXX, now they conveniently don't anymore. They never cancelled the card and continue to let my ex make charges on the card from XXXX to XXXX. In XXXX, when I called again. They cancelled the card, but allowed my ex to reopen the card with my credentials ( identify theft ). They have acknowledged that. I am at my wit 's end. I do not owe this money as the credit card company allowed this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed account XXXX with Equifax several times. I have not had any success with getting this account removed from my credit file. This is not my account. I do n't know where this account come from. I was a victim of identity theft more than a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and CAP ONE AUTO with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/2018, XX/XX/2018, AND XX/XX/2018. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.

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 2020-11-05
Company: DRS Financial LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since XX/XX/XXXX I have been receiving bills from XXXX  XXXX XXXX XXXX XXXX. After several attempts to pay with an XXXX they would deny the payment, so after a few months of this and trying to reach their billing department with no success, I started making payments. Then I started receiving 3 bills with the same account number for 3 entirely different amounts and none of those every reflected my payments. To this day I have paid over {$400.00} dollars that is not reflected on any of the bills. After 31 calls to the billing department to set up a payment schedule and to find out the discrepancies in the bill, I have never received a call back or spoke to anyone due to the billing office does not answer, you have to leave a message. On 4 separate occasions I called the appointment desk and asked for help since I was not getting to speak to anyone. The person that answered stated they couldnt help me but they would send an email to a lady named XXXX that was the head of billing and she would call me, still has not happened! On approximately XX/XX/XXXX I received a bill from Capital Collection agency for this company in the amount of {$690.00} when the original bill was for {$670.00}. First of all the lady that spoke to me from their front desk acknowledged the payments that we received but those were never noted on the bills. I have worked diligently to fix my credit after a divorce from years ago, now doing the right thing I still get sent to collections because no one at their billing department will talk to you! Where did my payments go to?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. 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 2020-08-15
Company: CCS Financial Services, Inc.
State: MD
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 a loan with XXXX and CREDIT COLL ( Original Creditor : XXXXXXXX XXXX   XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXXXXXX XXXX, XXXX, XXXX and CREDIT COLL ( Original Creditor : XXXX XXXX XXXXXXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX My Husband XXXX XXXX XXXX, the primary mortgagor for Chase account # XXXX, passed away. Immediately we took action to ensure that XXXX servicers for the 1st mortgage XXXX XXXX XXXX, and the 2nd Mortgage ( referenced account ) were properly notified. Unfortunately my husband passed away without a living will or a designated executor of his estate, and as a result, Chase refuses to authorize me ( the spouse ) as the successor in interest. 

Since XXXX, Me, my son XXXX XXXX XXXX, and our advisor XXXX XXXX have made numerous phone calls and sent numerous faxes to Chase in an attempt to get authorization for me to discuss the account. Obviously with the loss of my husband, the primary income has been lost, and we 're now experiencing a financial hardship. We were both on fixed Social Security income, and this has now been reduced drastically. 

In the numerous conversations with various Chase representatives, including escalation managers, we 've been given conflicting information for authorizing a successor in interest, much of which contradicts the regulation that CFPB has set forth for servicers. 
On multiple occasions we 've faxed the death certificate, a copy of the primary note showing both my husband and I as borrower and co-borrower, and after an " unusual '' request from XXXX their reps, a copy of our marriage certificate XX/XX/XXXX. 

To this day even after confirmation of receipt, they still refuse to authorize me to discuss this account, yet they continue to send correspondence that threatens to take my home. Our intent is to satisfy our mortgage obligation with Chase, as it has always been, however this will require assistance from Chase. I 'm an elderly woman who has suffered enough tragedy, the last thing I need is for Chase to make matters worse by refusing to discuss this account with me.

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

Complaint:
JP Morgan Chase bank, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
XXXX I have a personal account with the above named financial institution. For me to get change for my consumers, I need to have a business account with them and I have to personally go there. ( My XXXX can not go there on behalf of me ). Is that legal? If we have XXXX Dollars and want to change into XXXX dollars, why are these stipulations by these financial institutions? 
Can someone please help me understand. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Utah System of Higher Education
State: CA
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: Problem with personal statement of dispute

Complaint:
I was a student in Spring of XXXX and my student loan went in to repayment status on XX/XX/XXXX. On my XXXX website and history my loan went in to forbearance with an effective date of XX/XX/XXXX and did not go into repayment status again until XX/XX/XXXX. There is no reason I should have late payments on my credit report but Cornerstone reported me as having late payments while I was in forbearance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the 2 loans I have with Cornerstone. 
Please have them remove these false errors on my credit report from both loans. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In my credit report I see a collection of {$230.00} from PARAGON REVENUE GROUP, XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX. 

Original Creditor - XXXX XXXX XXXX UNIVERSITY This debt is not mine. I never received or authorize any medical service from XXXX XXXX XXXX UNIVERSITY in 2013.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15
Company: EQUIFAX, INC.
State: MN
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:
I sent letters out certified over 70 days ago and no one has reached out to me. This is not right and I fell taking advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing claims to have paid my 2nd half property taxes out of escrow in the amount of {$680.00} on XXXX XXXX County Treasurer has not received any payment from XXXX on my behalf. 

XXXX claims it paid by a check batch, but they refuse to produce an image of the cancelled check, nor are they willing to communicate directly with the County Treasurer about the matter. Instead tax payers are put through a long-running shell-game that results in no tangible nor useful information for resolving this issue. 

In fact, this non-pay issue affects at least XXXX XXXX County tax-payers serviced by Shellpoint d.b.a. XXXX. I suspect they may have misappropriated funds held in escrow and never actually cut a check at all, but suspiciously ledgered debits from our escrow balances anyway. XXXX has not produced any evidence to prove that funds allegedly remitted, were acknowledged/received by payee XXXX XXXX XXXX or cashed by another entity and in need of recapture. 

It has a really bad accountancy and finance smell, and we really need an advocate before tax-liens are levied against our homes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I applied for financial assistance at the XXXX XXXX hospital and I was approved for low income. It included the debt that this collection agency is trying to collect from me. Its obviously a fraudulent charge because it should appear at the XXXX XXXX hospital located in XXXX Georgia that I have low income and as a result I qualify for waiver of my medical bills at XXXX XXXX which are not a lot since my primary doctor is located at XXXX XXXX where I am currently attended for low income medical assistance. This credit collection is trying to collect a debt that doesnt longer exist. And is also threatening or suggesting to report me to the credit bureau which will damage my credit score for which I have worked hard and standing all day to be able to have a fair credit score and qualify for a better job because I had a job in a better field but I lost it due to a previous illness. They also mention are threatening me with legal action by mentioning a judgment. I tried to contact them today but there is no response which thats the tactic this collecting agencies use to just create more stress and waste of time to people who are busy and we dont get to have many days off. See attached letter for debt collection and proof that I am patient of mercy clinic which is low income non profit clinic which XXXX XXXX hospital took into consideration to approve my medical request for fee waiver.

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 2019-05-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed the XXXX XXXX XXXX account with Equifax and demanded a deletion because they are reporting an inaccurate open date on this account. It is a violation of the FCRA for a credit bureau to not thoroughly investigate an account. It is a violation to continue to report inaccurate information on my credit report. Equifax states that they verified the account but how when the documents I received from XXXX XXXX do not match what it is reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I tried to use my rewards points on Chase 's website to book travel. The website did not work -- it continued to say that there was an error on the page, even though no error existed. I called Chase XXXX separate times. Each time, I was placed on a long wait and transferred to a " supervisor '' who never answered the phone. The Chase employee with whom I did speak said that the website bug is a known issue and " happens. '' I am unable to redeem my points because the website is broken, and no one assists me on the phone. I speak with one Chase employee who then ostensibly transfers me to someone else, but that person never answers the phone, and I remain on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-24
Company: United Shore Financial Services, LLC
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
If I pay my mortgage early in the month say on the XXXX of the month, rather than say the XXXX, I should get a little bit extra in capital reduction because for 24 days the principal is lower. It does not happen that way ; I pay interest as if the higher principal existed for the full month. It is only a few dollars per month but it will add up over years. This is especially true if I pay a little extra towards reduction of the principal.

Company response to consumer: Closed with explanation